I've never seen one at a laundromat in the Oakland California area, though the point is well taken that there should be no insurance issue if the machine is properly installed & maintained.
Re. fluffy: the less water in the fabric, the less stiff it gets as it air-dries the rest of the way. Less stiff = more fluffy.
What I do with towels and a few other such items is: after 5 minutes at 1600 rpm, I'll put 'em in the tumble dryer on air-fluff for 5 minutes and then on the indoor line to dry the rest of the way. The brief tumble seems to add something to the fluffy factor. Which is a good thing when it comes to towels. Now that it's cold (I keep my place at 62 to 64 degrees) and indoor line-drying takes longer (about 24 hours), this could be altered to: 1600 rpm for 5 minutes, onto the line overnight to get almost-dry, and then into the tumble dryer on Hot for 10-15 minutes to get totally dry -and fluffy of course!
Life's simple pleasures dep't: A nice relaxing hot shower (using a water-saving showerhead so it's not wasteful) followed by drying off in big fluffy towels. Especially good right before bedtime, with fluffy flannel sheets and lots of cozy blankets on an otherwise cold night. (See, the "sophisticated grownup pleasures" like getting drunk or flirting with the neighbor's spouse or watching R-rated movies, are really pretty dumb. The best things in life are simple, basic, and G-rated!)