A buckle failure would typically involve a failure of the stitching holding the buckle in its loop, in which case the buckle would still be attached to the strap by the tang and could not pass through the metal loop of the flap. I suspect that is what
@Foo2rama is referring to. Even if the spring-bar holding a buckle into a sewn loop failed and the buckle were lost, the tang would still remain in place attached to the spring-bar and passing through the hole in the strap, and would likely bind against the metal loop of the flap.
You are perhaps thinking of a buckle failure that involves breakage or loss of the tang, which is possible, but very rare I think, and would be quite difficult to protect against.
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