I completely agree with your first point. Just because you CAN do something, doesn’t mean you SHOULD do it.
We were at the boat ramp just hanging out when this guy backs his boat in with a very sad looking Honda Ridgeline. So not being able to resist I asked him why and he got defensive right away (the uniform does that to people) and said “I’m in limits” or maybe “it’s under max” I don’t recall exactly. So I told him that’s fine I’m just curious and he said (to this I remember clearly) “it’s a lease”. I remember thinking someone is going to be writing nasty letters to Honda in a few years.