Over here, on the civilized side of the Atlantic Ocean, you’ll get a nice photo of yourself. Taken by a traffic camera and sent conveniently by mail. Along with a friendly note stating the amount that you owe the municipality. Having to stop a driver unless they pose an immediate risk seems ridiculous. This just doesn’t happen here.

That's why you read the manual, especially for a complex peace of tech, when you buy the thing. Just because you didn't bother to look up how stuff works doesn't make it bad. This one's on you.

You are both right and wrong (and the joke is stupid). The loopback-subnet is 127/8, not 127.0.0/24. Class-based Networks are superceded by CIDR since the 90ies. Nowadays it's ::1 anyways.