The United States can be more granular, as a "full postcode" equivalent in the United States is ZIP+4, which can resolve down to an individual building, mailbox, or person, depending on the characteristics of the location.
https://docs.os.uk/osngd/data-structure/administrative-and-s...
Not sure under what basis you think they are "supposed" to be a certain way but postal codes originated as a signifiers of areas, even in the UK.
US postal codes absolutely have overlap in area, because they do not divide land, they direct delivery routing.
https://web.archive.org/web/20030119031055/http://users.rcn....
My point is that postal codes aren't "supposed" to work any particular way. They work in what ever way they are specified to work at any particular point in time in any particular place.
Zip codes in the US are related to delivery routes. Prior postal codes in the US were not.
It'd find it difficult to believe that when the system was originally created, mail delivered by a Nevada post office to a physical location in California had a zip code starting with a 9 rather than an 8.
When I had to work with addresses in other countries, I found out that is not that normal.
"A full postcode identifies a group of addresses (typically around ten) or a major delivery point."
https://en.wikipedia.org/wiki/Postcodes_in_the_United_Kingdo...