Eh, people have to charge drone batteries carefully not because of chemistry, but because of sketchy industry norms.
Almost every other industry making lithium-battery-powered products insists on 'genuine' batteries and tells people buying third-party replacements is taking your life into your own hands. Drone enthusiasts, on the other hand? Ordering batteries from unknown suppliers on ebay or aliexpress isn't unusual.
And even reputable drone battery brands face the temptation to advertise a spec without any safety margin, to stay competitive. If all your competitors advertise '90C discharge' on the assumption they get the cooling of the drone's fans, you gotta follow suit to stay competitive.
At the same time, can you think of any other application that takes a battery from full to empty in 15 minutes? Or an application that runs its batteries without a BMS, fuse, or battery temperature monitoring?
(Of course, in a sense that's a reasonable state of affairs - shutting down because the battery's overheated isn't exactly a safety feature for a drone, unlike for a battery drill or vacuum cleaner)