I think that the consecutive requirement is helpful towards establishing what I've always interpretted the intent of the badge to be. I imagine part of the "point" of these badges is that they're for the people who literally do come every day, without missing a beat.
And not just once a day. That's actually the worst and most difficult path towards getting this badge, and it sometimes surprises me how many people try that method to earn the badge and are surprised that they failed (I know you aren't one). The mechanical difficulties of the UTC day actually combine with the consecutive requirement to make the best method of earning this badge to visit the site at least twice a day.
Think about it. You visit the site once in the morning after you get out of bed to check up on news, then once more when you return home at the day's end to see what's changed. It pretty much guarantees the badge. You don't even have to think about the UTC day in this scenario, and 100 days later you'll be one gold richer, no sweat.
That's what makes it a Fanatic. It's not just for someone who simply pops in once a day for 100 days straight. The people who are in the best shape to earn this badge are the people who visit the site repeatedly throughout the day. People who are interested in seeing what's going on at the site, and perhaps shooting for participation as well. People who don't even have to watch the days tick by to try for this badge. The point isn't to tell people to just pop in once per day - it's to get people invested in wanting to know how the site is growing, and what is happening.
And with simple time management, it won't even get in the way of your normal life to devote yourself to the Network like this. Yes, family emergencies and storms and vacations can get in the way. But unless you are expecting these every 3 months, then all these are just a small delay to those fanatics among us. We still know that we're on top of the site's events, even if we don't have a shiny badge to prove it.
Does every user who earns the Fanatic badge show this level of dedication and investment to the Network? No, but nor does everyone with the Electorate badge continue to vote consistently on questions.