Yeah, all that’s true, but it’s best to presume that they are being cool about it, what with the agreements they have with the ISP and all.
All I can tell you is that I find my clients don’t have any idea that a stranger could be using their WiFi. They’re not “cool” about it - they are clueless.
But your mileage may vary. What evidence do you have that they are just being cool about it?