It's because these devices are cheap. Look at the ipv4, they tend to catch fire when used as a charger. People even remove the charging circuit board entirely on that device. There was a smok m80 that caught fire while charging and burned a bed carpet and wall that was posted here last week. When you use the internal charger, heat build up, coupled with cheap circuitry and design flaws, can lead to your home being a total loss. It's entirely up to you if you want to take that risk, but for 15 dollars... Is it worth it?
The difference between your cellphone battery and these batteries are these are high drain, very temperamental batteries. Your cellphones battery is not. Though, I did have an htc evo catch fire in my pocket and burn a hole through my jeans.
And as for the istick batteries and whatnot, there's less chance of risk with those because the charging circuit is made for that specific battery. Whereas with a removable battery there are many types of batteries.
A dedicated charger has protective circuitry that the mod doesn't. It's made of fire ......ant materials, and the mod may not be. Its a risk that you're going to have to evaluate for yourself and make a decision. Look up these batteries, they are used in high powered flash lights for diving and there's a whole community of people who have been using them for longer than us. Read their threads, accidents, opinions.