YES it is "possible" a breaker can go bad but many Ive had go bad will NOT allow themselves to reset back (i.e. they stay open) when such mechanical related failures occur.
As far as the heavy loads such as AC etc in the summer, if a continuous overload occurs the a thermal magnetic breraker will trip out via its thermal function versus its magnetic.
As far as nuisance tripping when theres no long term overload condition, it may be due to an intermitten short circuit somewhere causing the main to trip out via its magnetic function (short term high current fault). ASSUMING ITS A THERMAL MAGNETIC BREAKER?????
If possible Id hang a clamp on ammeter on the main feeders and turn on the most used appliances and monitor the load over a term. If its well below the 100 amps which Id expect, Id start looking for evidence of shorting burning and arcing especially in say electric ranges and hot water heaters.
Id also check the tightness of all breaker connections and all Neutral connections in the panel and then take a look at the plugs and connections in the range and washer dryer and hot water heater.
SUMMARY Use an ammeter to monitor the mains,,,,,,,,turn on and off and plug and unplug major appliances (stove, dryer, hot water heater etc) and see the amp changes,,,,,,,,,,check the hot water heater connections and look for burning or arcing,,,,,,,check all Neutral and hot connections in the panel and torque as required
Id more expect an intermittent short in an appliance (stove, hot water heater, dryer etc) then the main going bad or else a loose arcing connection in a Neutral or some hot connection.
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