OK, I'll bite. I've had this dilemma. I don't want to argue with people, I've made my choices. But here's my example:
2014 Subaru Forester. Tow rating is 1000lbs, 1500lbs if trailer is braked. The exact same car, same transmission, same everything (no, there is no special cooler in Australia, I checked) is rated for 1500kg (braked). So 3306lbs (braked). So why can the Australian version tow more than double what the north american version can?
After LOTS of research, I discovered that north america started using a new rating system around 2014. Known as the SAE J2807. Yeah, super clear. Took me a long time to find this at the time.
http://www.trucktrend.com/how-to/towing/1502-sae-j2807-tow-tests-the-standard/
This new rating is based on a more vigorous course that better represents the types of hills/temperatures, etc. that we experience in north america. Apparently.
So "overnight", at the time, Subarus "lost" towing capacity... significantly and so did most trucks, etc.
Is this the right thing to do? Probably. Does it apply to everyone? No. I don't live in the rockies, I live in Ottawa, Ontario where there are no crazy hills. I tow my Scarab 165, rated at 2100lbs (trailer included) with my 2014 Subaru Forester rated for 1000lbs (NOT braked, because I have no brakes on the trailer). So technically, I'm towing a little over double the rated capacity. Using a CVT, with people and gear. I've towed it 450km from Ottawa, to the North Bay, Ontario area. Some hills, nothing crazy. As any driver should do, pay attention to RPMs as I go over the hill and keep it smooth.
If the Australian rating says you can tow about (1274kg or 2808lbs) unbraked........... do what you will. Point is, the rating system in North America is quite conservative relative to the rest of the world, and in many cases, that is warranted. I decided it wasn't an issue for my particular towing case. Put some good brakes on it and keep your distance.
With all that being said, my next vehicle would be able to tow the amount I need by the new rating because that's the right time to chose that vehicle. But I'm not selling my current car to accommodate this. I can tow my boat without breaking my transmission, I can brake very quickly (yes, I could brake faster if I had bigger brakes, brakes on the trailer, etc.) and I keep my distance and drive very defensively while towing to anticipate any upcoming issues.
And yes, I've talked to my insurance company about this. I'm insured. Confirmed. Their logic was "well, if your car can carry say 800lbs of people, and you put fat people in your car and it ends up weighing 1500lbs, would you suddenly not be insured?"... good point. So you're insured regardless. The only issue is if you end up causing an accident.
Now, as for the commercial... lol yeah, showing such towing capability when it's not officially rated for that... I could see a lawsuit happening. lol