You're missing my point. The point is, the risk of a fine is not the real risk in violating the DNC law. The real risk is offending the person who cares enough about not being called at home to put their number on that list.
It's true, if they ask you to call, there's no problem. However, your response was more general, as you said,
"I pointed out the number of complaints and actual fines to illustrate how hard it is to run afoul of the actual regulations."
This is easily used to excuse carelessness in adhering to the DNC list, and your viewpoint that agents are "paranoid" about violating it seems to show that, to you, the only reason for not violating it is the degree of risk (or lack thereof) of being fined, rather than an awareness of and respect for the reason that it exists. In other words, if you're comfortable that you won't be fined, you're comfortable in violating the wishes of the person you're calling to try to do business with.
Now, I could be misreading your intent, it's true. Is that the case?