The residential structures "knows" that it is following the IRC. Meanwhile, the commercial building "knows" it's a commercial building so it acts like one. Soil pressures realign and concrete refuses to follow 0.0018 temp/shrinkage steel requirements.
But...in reality, I think when you add the "general public" to the commercial equation, your Factors of safety CYA start to jump in. And not just life safety, but getting sued and the like. Business people realize there is liability in the bare minimum, albeit not all of them.
As an aside, I'm designing my own house right now and I just got into looking at basement wall criteria recently from the IRC and I was floored. I dared to show a 3'-0" wide footing on my drawings for a 2-story with a basement and brick veneer and they contractor said "I don't do that"...and then accused me of being a commercial engineer. He did it nicely, but he was right.
Now, with that said, I didn't ask him how many houses he has built that he visited 30 years later, but I'm betting that if he did, he might see things differently.
So back to the OP question, I think it just reveals that house contractors can lobby in the codes more effectively than commercial ones. It's not surprising because the IRC is people's personal money. The IBC is business money which isn't always quite as personal, so building owners are usually more lenient to spend the money and won't nickel and dime as much. I'm guessing that means the code gets implemented more for commercial.
One last thing to close this rant. Speaking as a commercial engineer, I can't get myself to do residential work because I feel like I'm divorcing my reason and engineering judgment for prescriptive magical load paths through "structural air" (not being cynical here, I just literally can't get myself past the lack of load paths, I just feel like a liar when designing that way). Meanwhile, similarly, I feel like residential contractors can't divorce their bottom line. I had a contractor tell me this week that was quoting my house "I don't even know where to get that". The "can't do" attitude of residential contractors seems universal in my limited experience. I think it's because most of the public is ignorant and so they can do what they want. So when you get a commercial engineer building a house, they don't understand you, and you don't understand them. It's not a negative, it's just something that communication skills are required to work through. Because it's like we speak two different languages.