This is very disconcerting to hear. I've read how much you enjoy the sound of the Kharma and Atma-Sphere combo. I was just digging up the thread where Tireguy *cough* was telling some stories about blown drivers :P and I see that you've already found it.
I trust what Jtinn said fully. If your speakers did not have ceramic drivers, it might not have blown, but it probably would have been damaged without you knowing it (not sure which is better). It is nevertheless a cause for concern since it can happen, but like anything else, there's a great deal of luck and chance/freak occurence involved. How many times have we read of a bad review sample? Considering the relatively small number of reviews and perhaps the importance of these reviews, you would think that the frequency in which a bad review sample is sent would be small but it isn't.
I've been lucky so far with my 3.2s. I don't normally play at great volumes but do turn up the volume now and then. I don't have extensive experience with tube amps but did for a time run a pair of Bryston 7Bs SSTs on them, so the ceramic drivers can definitely handle lots of power.
Keep us up to date on the process of getting your speakers fixed.