Teachers absolutely tested stuff they didn't teach and they barely assigned homework, there was a lot of self-learning. I think it's relatively uncommon for schools to do this, but in 12th I took AP Physics C, calculus based physics, and we did both semesters over the school year, both Mech and E&M. We matched college pacing, and on both AP test I got 5s. I am so grateful to that teacher for getting that experience before starting college, he had a PhD in theortical physics. My science education was filled with teachers with PhDs while I was in high school.
People absolutely have to study when they are being challenged at an appropriate level. If I was in a non-accelerated curriculum, I think I would have agreed with you, because it would have matched my experience. But I took my first AP class in 10th grade, the second year of high school. There's no way to be successful in a hard science AP class without studying in one way or another. I remember some of my friends used to do the homework from one class in another and then say they didn't study. I am not disagreeing with your experience, I am disagreeing with your generalization.