That's right yeah, you can't draw more than it's specced for, but the lack of correct pulldown means it will try, and fail. In that instance the charger should shut down or just charge/not charge as it attempts to figure out wtf, but in the case of no intelligent chargers, this might not happen resulting in the charger damaging itself, and possibly damaging the phone too.
I thought that was the whole matter at hand with all this!
I thought that was the whole matter at hand with all this!