Great question — answering as the UphillTech team:
While I'm sure the cost seems prohibitive, it might be time to start thinking about changing out the panel. If the breakers are known to fail closed, you could end up watching your home burn to the ground (hopefully from the outside).
Full answer by Tester101: https://diy.stackexchange.com/a/48374 (CC BY-SA 4.0).
Need it done for your business? UphillTech.