the Clarkes pads that I have seen have had steel backings.
Re outright pad loss from some calipers; disc thicknesses and caliper gaps vary plus both are subject to wear (yes I know the caliper gap shouldn't wear but for some users an amount of wear should be considered 'normal'...
).
The brake manufacturers also say (in the small print) that you should replace the brake pads at a certain wear state. A typical brake pad is ~4mm thickness of which about 2.4mm is friction material; most manufacturers recommend that (effectively) you don't wear much more than half the friction material away.
Some brake pads are retained in the caliper with pins and so forth and some are not; some use springs to hold the pads back (which can wear through when the pads are worn past a certain point) and some don't. Those that don't use springs use magnets instead, and magnets vary in quality; none are entirely resistant to the effects of heat (which quickly weakens them) but some are worse than others. IIRC the ones with the '5p pads' (they probably cost less than that to manufacture....
) have feeble magnets that quickly degrade.
The net result of all this is that if
- the friction material is more than half worn and/or
- the pads wear unevenly and/or
- the disc and/or caliper are worn and/or
- the disc is off-centre in the caliper gap (eg through lack of fixed pad adjustment) and/or
- the magnets are weakened or the springs are broken (eg worn)
then a whole pad can slip its moorings and be off on its own journey, with predictable 'look Ma, no brakes!' consequences.
If you look at it from another perspective, i.e. worst possible setup condition, it is normal to find that;
caliper gap - disc thickness ~= (or >) pad backing thickness
with many brake designs.
Also whilst I have not yet seen it happen in a bicycle disc brake, it is possible that (under similar conditions) even a properly retained pad could move and then jam in the caliper gap.
There's a lot badly designed calipers out there and even some pretty good ones are not immune to problems of this sort once the pads wear. Unlike rim brakes, (unless you know exactly what you are doing), it isn't obvious at a glance what is going on, either.
cheers