Yes, people are that stupid and some are even stupider! Those warnings are probably there to cut down on law suits by said stupid people, dead of alive.
Yep.
On a related note, anyone who visits a European country will soon have brought to mind what it was like in America in the days before lawyers messed everything up. What we'd call "lawsuits waiting to happen" are everywhere you go. They expect people to be smarter about negotiating life's everyday dangers than we do in the United States. Most likely that's the case because their legal systems are set up to discourage frivolous lawsuits.