Re: actually no
It's just ignoring obvious things, like that people won't use the quick charge option for an overnight charge
I agree with most of your post, and certainly that the issue is readily solvable.
However, the bit above I don't think will be correct, because upon returning home from work people will often need to go back out later in the evening - a night out with friends & family, to go shopping, collect a package fromt he post office etc. They won't always have clear forward visibility of these things and so some people will simply elect for a quick charge as their default charge unless they know they're staying in.