I think it’s reasonable to expect users of self-assembled drone batteries to be aware of and careful about those batteries. These batteries are intended for RC hobbyists, and are likely to be subjected to physical abuse. I’m talking about the battery packs covered in thin plastic wrap with no integrated protection circuitry, like this: http://www.rapidrcmodels.com/turnigy-5000mah-2s-20c-lipo-pac...
But batteries in consumer products, like laptops and ready-to-fly drones, should be protected both physically (with a harder plastic case) and with integrated charging circuitry. That seems to be the case with consumer drone batteries, like the DJI Phantom: https://m.dji.com/product/phantom-3-intelligent-flight-batte...
A 20C discharge rate means that battery claims it can supply 100A @ 7.4V (740W) and be discharged in 3 minutes of operation. I don't have experience with RC batteries, but I'm a little skeptical. That's an awfully fast discharge rate, and a lot of power from a 282g battery.
In the RC hobbyist community it's fairly widely recognized that manufacturers inflate their C ratings. That said, these things can definitely put out a scary amount of power, and discharging batteries in 3-4 minutes of flight isn't unusual for some high performance RC aircraft.
That is absolutely normal in the high performance RC world. You even get 40C and higher rates cells. No point carrying around a heavier battery than necessary for the power required.
But batteries in consumer products, like laptops and ready-to-fly drones, should be protected both physically (with a harder plastic case) and with integrated charging circuitry. That seems to be the case with consumer drone batteries, like the DJI Phantom: https://m.dji.com/product/phantom-3-intelligent-flight-batte...