I apologize if it came across as argumentative. Serving coffee that's too hot to drink saves money on refills, since the customer has to wait for it to cool.

As for an ideal world, it's worth keeping in mind that McDonald's (etc) very rarely brews the pot just for you. It's usually been sitting there for a while. Simply adjusting the hot plate temperature resolves it. It's also something that other places have solved. While I don't frequent Starbucks, I hear they have "kids temperature", which is served around 130F. I presume this is another pot kept at a lower temperature, but it could just be ice. But even above that, you don't need skin grafts when you burn yourself on 150F coffee.