I actually like nice catch, as long as it’s not an egregious error. There are often going to be mistakes in a document, even when prepared by someone completely competent. This acknowledges someone as being part of a process instead of focusing on an error.

I believe this is specific to America, or at least it’s not universal. Authorized users’ credit is not affected in Canada.

Because a user base has yet to demonstrate that there will be significant consequences for such actions. Maybe there will be, but they will be less-tangible long-term consequences that can’t easily be attributed to these actions.