It's not the main reason, but it is ONE of the reasons I get an annual travel insurance policy. Often, the delays and cancellations are due to storms or other factors that the airlines won't cover. So I just try to rebook online and get a hotel and submit the information to my insurance provider for reimbursement. I think my plan has about $600 in travel delay insurance (and more in cancellation insurance).

That way, I skip the voucher lines, I rebook online and get a good night's sleep in a hotel instead of a gate. I submit the expenses to my policy online. They reimburse me. And I still get the hotel points.