you are right that single-piston calipers, and the pads in most car brakes are 'knocked back' once the brake is released, but the piston(s) are definitely retracted by deliberately (by about 0.5 to 1mm per piston depending on the seal design), and that is where the running clearance comes from. If the retraction stops working properly, the tolerance to disc run out swiftly declines to near- zero and all kinds of horrors can ensue.
Simply because the rate at which the wheels are turning is so much higher and the discs are so much bigger (in relation to the wheel size), the lateral speeds at which the pads are knocked back in car calipers is quite high. During normal running there is stuff-all contact or rubbing in car brakes and (since the discs never run perfectly true) you would very quickly get runout-induced DTV if there were.
In a bicycle you might be doing ~10m/s on average and the pad contact centreline might be doing 2m/s past the pads.
In a car you might be doing 30m/s and the pad contact centreline might be doing about 13m/s. In other words the pads are (for any given amount of runout) knocked back x6 or x7 faster (harder) in a car brake than a bicycle brake, and because the seals have a much larger cross-section etc the retraction (and therefore the space into which the pads have to sit in) is larger anyway.
Most bicycle brakes have a barely adequate piston retraction anyway, and the pads are pushed back by springs (which eat into the usable pad thickness BTW). Any tiny fault with the brake hydraulics (such as those I mentioned upthread) means that you get reduced or uneven piston retraction and then you will get rubbing; there is nowhere for the pads to go, sprung or not.
I have seen plenty of bicycle brakes that have manifested uneven piston retraction; crud in the piston bores (from the outside, there are no dust boots like you find is decent car brakes), badly bled brakes, brake with pistons that bind because the caliper body was not cleaned properly during manufacture (lots of swarf inside the hydraulic circuit...
), corrosion in piston bores, water in the hydraulic circuit, worn seals, different amounts of oil on the outsides of the pistons, caliper body alignment wrt to the disc... the list goes on and on.
With some brake models, it is quite normal to have to check the pistons for even retraction part way through the pad life. Clues that all is not well in this regard include that the pad wear is (even without contamination on one side of the disc) rather uneven.
cheers