That truck picture posted is part of an article, not just a picture of a single truck. Nearly all modern trucks have that large flat front end and high cab height. The vast majority of trucks are not commercial and they are parking lot queens. There is a purpose for larger trucks, but most aren’t used for that. Though, again, I’d argue smaller trucks or other vehicles would serve them just as well or better for most use cases, but this is America.

As for needing a beefier frame and transmission, these stresses are proportional to acceleration. You can pull a much larger load with less stress with slower acceleration. Just look at a train. They are incredibly large pulling massive loads through single connection points. Their wheels are steel on steel, so very low friction, yet they can still pull these loads because they accelerate slowly. Sure, you may need dualies for low-traction situations, and you may need a stronger frame than a sedan, but modern trucks are built way beyond what’s required.