You could have just said "Most Americans are greedy"

Presumably if you care about testing for lead, you'd also care enough to have it dealt with while you are living there.

Is there any reason to care about interior lead paint if it’s under several more recent lead free layers and not chipping off?

Not particularly if it's dry and sealed in, however ..

In a rising damp, wall wicking water scenario the lead may be leached out from the paint and transported to, say, food being grown near house.

The US had long term issues from lead in the water (being ingested) so there's a similar danger here if the lead isn't stable on the wall behind sealing layers.

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For Flint, Michigan [1] (the recent times big news event) and other cities it was lead from pipes:

    Officials failed to apply corrosion inhibitors to the water, which resulted in lead from aging pipes leaching into the water supply, exposing around 100,000 residents to elevated lead levels.

ie. Lead leached by water from a lead source (be that paint, pipes, or gasoline particulate residue)

[1] https://en.wikipedia.org/wiki/Flint_water_crisis

Nope, but some homeowners do not know the dangers of lead dust and can get home renovations done without taking the proper precautions.

Lead and asbestos are like the C programming language. In certain very controlled situations they can be perfectly fine. Only in the real world that rarely ever happens.