I'm only aware of Andy having pulled out of two other tournaments in the last 12 months. One was Valencia, with a virus infection, so you wouldn't have thought that would be the second one, the other New Haven, where he had a wild card.
The thing about New Haven is that he pulled out, according to
http://www.telegraph.co.uk/sport/mai.../stmurr116.xml, because he did not feel ready to compete, in the sense that while his wrist was technically no longer injured, he wasn't able to hit the ball properly.
I'm sure plenty of other players would have claimed to have re-injured their wrist, so maybe Andy is effectively being penalised here for being too honest where other players might be more pragmatic, in which case the rule we are talking about is a bit counter-productive.
These penalties actually happen more frequently than you would think. Other players who have been forced to count zero-pointers for late withdrawals from non-mandatory events in the last 12 months are:
Mumbai - Guillermo Garcia-Lopez
Basel - Juan Carlos Ferrero
Houston - Hyung-Taik Lee & Sebastien Grosjean
Valencia - Stefan Koubek
Munich - Sebastien Grosjean
Queens Club - Juan Martin del Potro
Three players have had penalties like this overturned on appeal in the last year and a half - Jonas Bjorkman (Rotterdam 2007), Paradorn Srichaphan (Barcelona 2007) and Fabio Fognini (Estoril 2008), but I don't know what made those cases different from the ones where the penalties stood.