Hi Duresthar.
That doesn't sound normal to me. It could be some kind of failsafe as you said.
It might be worth taking a note of your overclock settings and try setting everything to default settings and see if the problem still occurs. I've got a SCAN system and mine was setup with a stock clock and an overclocked profile in my BIOS so I can change between them if necessary. Yours might be similarly set up. At least this will eliminate an overclocking issue and allow you to play games or do whatever without any problems unitl you are able to properly diagnose and fix the problem.
Was this a system you put together yourself or was it a 3XS system built by SCAN? I'm assuming it's a 3XS system as you have posted it in this forum in which case if you've only had it 2½ months I would seriously think about ringing the SCAN hardware helpline and asking them to go through some troubleshooting over the phone with you. If you have an onsite warranty with them they'll send someone out to fix it for you if they believe it to be a hardware issue.
They've been pretty decent to me when I've had to speak to them. Whilst they do get quite busy at times I've found that leaving my name and number with them will get a phonecall back without fail within 24hours or so.
Hope you get it sorted anyway