It has really only been the last 15-20 years where this has become something of an issue with 3-rail trains. The whole history of 3-rail Lionel trains is unprototypical. If you look at old Lionel catalogs, words like "realism" are used a lot, but not prototypical. Some folks do not like this, but it's the truth: 3-rail trains are TOYS. We have a third inside rail... they're TOYS!
It's as silly as wanting a cat to be a dog. If you like dogs, get a dog. If you like cats, go get a cat. But wishing a dog could be a cat is a waste of time.
The whole reason for the rise of HO trains was that some modelers wanted more realism and accuracy, so they abandoned their toy trains for scale model HO trains. Since the rise of command control and digital (which has brought back many former HO modelers into the 3-rail fold), there is this concern over prototypical models and paint schemes in 3-rail trains.
I think if anyone is really concerned over this, the answer is simple: Go to HO scale. But today, some are wanting to forget Lionel's history and real majority market share, and turn 3-rail into large HO.
I'm glad we have the selection today we DO have. I'm thankful the train companies that are still in business have remained in business. (Not so long ago, many wondered if Lionel and MTH would survive past their legal disputes.)
All the train makers are companies that have to make a profit to stay in business. If scale fidelity is your thing, then there's Weaver, Atlas, Sunset, and Third Rail. Even Lionel and MTH both have fine products aimed at this market. The train makers are not fast food restraunts, where you pull up to the window, order something and then have it in a moment or two.
But we've all been spoiled by this instant gratification culture. And one does not have to be on public assistance to have an entitlement attitude.
If all that we have in 3-rail trains isn't enough, well, be happy and go to HO where there is a much larger market, and thus a much larger selection of accurate scale models already available.