Losing the superpower

Every other hero from the big screen has this type of moment, in which he or (almost never) she loses superpowers. Of course, this happens in the cases of Spider-Man, Thor, Daredevil (for the small screen), or any other superhero with actual superpowers.
In the case of, say, Iron Man, the loss of faith is the one that brings all the problems. Thus, when the hero is confronted with an unexpected situation (as if this weren't a part of the job description), he suddenly develops an out-of-character fear (PTSD for the aforementioned Iron Man), retreats from all heroic deeds (Bruce Banner, or even Batman in TDKR), or renounces the entire skill set (Thing in the first modern Fantastic Four).
What is the point of repeating this cliché, especially when we know that, eventually, the superhero will return? There is no point whatsoever. It might have been something new at one point, but now it just adds to the predictability of a film.
