do cigarette lighter makers, (the gas ones) WD-40, pressurised hairspray, kerosine (for cleaning) or even wall-wart chargers do this?

you've identified a risk. Its not actually different to a lot of other consumer risks. Maybe there is a vicarious liability to the original vendor, but I bet that dell battery had warning signs on it, the IBM ones I'm sitting on, definitely have yellow hazard markings and disposal information and the paper I got on delivery (and throw away unread) probably told me about a risk which I ignored. Kinda (I am saying) like you.

You were told about this. Its been a "thing" long enough, there are signs in airports about packing Lithium batteries.

Its a "thing" long enough that the 787 battery fire is a "thing"

"I hung onto a potentially explosive battery long enough, it actually caught fire, despite having been told it, when I got it" isn't a good basis for an insurance obligation if you ask me.