WASHINGTON (AP) - For people fearful computers will crash New Year's Day, ATMs will run out of cash and    traffic lights will flash red, the White House has a message: These problems already happen every day somewhere in the U.S. Moving to avert panic at the first sign of any outage related to the Year 2000 problem, the Clinton  administration sought to reassure Americans by reminding them Monday that technology is not infallible even without the complication of the Y2K bug. Households spend 13 hours a year on average without electricity because of power  failures, said John Koskinen, President Clinton's top Y2K expert. That does not include failures caused by bad weather, which when they happen average outages of 72 hours. One to 2% of the nation's 227,000 ATMs are inoperative each day because of mechanical breakdowns or cash shortages, the White House said.