If the disparity, micro to panel caused a significant loss of annual production by, say, pairing a 215 W inverter to a 330 W panel, that might be a different situation that any reputable vendor would likely not do. But still, expecting ethics and moral integrity in business ? Right. I've not yet seen a dollar sign on a moral compass.
To the extent that Caveat Emptor has any validity, if any dilemma exists, it's perhaps one for the user to do a bit of homework and know something of what they are buying, or at least do some vendor homework and stick with reputable and established vendors.
One example of homework: For as much as a 250 W micro would clip and reduce the annual production of, say, a 280 W panel for example, the NPV of the lost bill offset over, say,10-12 years or longer might be less than the NPV of the diff. in installed price between a 250 and 280 W micro, and if close (whatever that means to the person paying the bill), maybe the the 280 W micro chosen. Such decisions are for the buyer to make, perhaps with help, perhaps with self education, or both. Life is a bunch of choices. Some involve risk.
As for the vehicle analogy, some solar knowledge may be helpful before sinking a lot of funds and committing to something of a lifestyle change. A bit like the vehicle buyer being expected to know whether the auto they're buying has an automatic or standard transmission, or 4 or 6 cylinders for example, and the consequences of those choices.
Take what you want of the above. Scrap the rest.