To answer your last question first, most boilerplate of this has been updated to include something along the lines of "entirely coincidental or used in a fictitious manner" to indicate that yeah, there may be some reality slipping through, but it's not implying this is really something they would do. It's all basically butt-covering to keep someone from suing for defamation, because you're clearly saying that this isn't what they would/have actually done.