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It does read like that! The reality is that these incidents are a small percentage, at least in Australia. In more than 100 rentals over the last few years, I've only ever had minor problems that have relatively easily been resolved in my favour. I almost never check the car before driving, nor take photos and many times it has turned out there is damage to the car significant enough that it should have been noted, but was not (it annoys me that some of the rental car companies/locations don't even bother noting any damage, instead leaving it up to the renter). The things I have had issues with (usually incorrect billing due to staff errors/incompetence), would still have occurred, even if I had taken photos. It probably helps that I'm a member of all the majors, though the worst billing error would not have occurred if I was not a member.
I have significantly damaged one car (reversed into a pole) and of course, paid the excess (reimbursed by Zurich under Westpac Black Card insurance).
From what I've read, Italy is one of the worst places in the world for car rental charges and scams, but a mate who almost never rents cars had no problems!