RE why does it short out using screws?

Judging from what I've been reading and hearing here and my own musings I think that the stock cooler is sufficiently isolated from the card...it uses spongey TIM pads and the backplate is spaced away from the card. The EK mounts directly..the block is touching a variety of parts that might be somewhat conductive...the PLX IHS for instance. And the screw holes lugs are earthed...so when the screw makes the whole water block earthed it's pretty easy to imagine a fault waiting to happen...Perhaps the reason this is not happening for eveyrone is the way each person cuts and places the TIM pads or tightens the screws...I'dl ike to see a better mounting system than this for sure.

Perhaps some stick on spacers like naked Die CPUS use...