Probably indeed a US liability thing. The FTC-like agency in my country publishes standard letters for this and a tool on their website to find the right letter or generate it based on some input.

We still get the same consumer-hostile practices from companies, but usually they give up if you send them one of those letters.

You're correct. I've lived in Germany and the UK where this sort of thing just doesn't exist and the sheer cost-of-doing-business in those countries obviates away this sort of stuff into "noise".

One thing about the U.S. is this sort of liability also has a huge gamut depending almost entirely on which actual U.S. state the transaction is done.

However, there's also likewise a huge gamut between what's technically actionable versus what's practicable with jurisprudence. Europe has an entirely different notion of "legal fees".

English rule thrives.