1. There aren't really that many native ratios. Realistically, you're looking at 4:3 for CRT's, 5:4 for non-widescreen LCD's, and 16:9 or 16:10 for widescreen LCD's. So that's not as bad when creating a full-screen application, because you can also letterbox the 16:10 to 16:9 for full 1080p video.
At this point, if I were a developer, I wouldn't even care about 4:3 resolutions, and just have 5:4 and 16:9.
2. Desktops and laptops, in general, have a lot more pixels to deal with, and are usually farther away from the user's face, so there is a bit more leeway when scaling your UI.