> Unless the user’s e-mail was controlled by their counter-party, what folder the message ended up in seems to be irrelevant to me.
No, you're even harsher than the court. The court explicitly looked at common practices by consumers, not just who-picked-what or who-controlled-what:
>> Because Tile should have known that at least some of its users do not closely monitor email, and Tile should have furnished additional notices, this factor weighs against finding inquiry notice.
The court explicitly said Tile was responsible for making sure people read what it sends, and you're disagreeing with it! Clearly that's relevant!
The court somehow just failed to look at the spam classification question at all, which is baffling. They could've looked at the spam classification and said something similar here, yet they didn't. Instead they ruled as if it's the same situation as one where 100% of the problem is due to the user's negligence, which it clearly isn't.