One of the reasons you mostly saw point operations and very few rectangle operations is because quadtrees aren't great for range operations.

Quadtrees might look like natural generalization of binary trees, but some things that work very efficiently in binary trees don't work for naive generalization of binary trees into quadtrees. For a full binary tree with W leaves any segment can be described using log(W) nodes. Almost every use of binary tree more interesting than maintaining sorted list of numbers depends on this property. What happens in 2d with Quadtree, how many of quadtree nodes are necessary to exactly describe arbitrary rectangular area? Turn's out you get O(W+H) nodes, not log(N), not log(W)*log(H).

If you stored a rectangle in smallest node that completely contains that avoids the W+H problem during insertion operations, but during read operations you may end up with situation where all the information is stored at the root. This is no better having no quadtree at all and storing everything in plain list that has no special order. Such worse case scenario can be created very easily if every rectangle contains centre of area described by quadtree, then all rectangles will be placed at root.

Dynamically subdividing and or allocating tree nodes on demand isn't anything particularity novel. If anything the cases where you can use fixed sized static trees outside textbook examples is somewhat a minority. Not saying there are no such cases there are enough of them, but large fraction of practical systems need to be capable of scaling for arbitrary amount of data which get's added and removed over the time and total size is not known ahead of time and the systems need to be able to deal arbitrary user data that has maliciously crafted worst case distribution. Every B-tree will split leaves into smaller nodes when necessary. Almost every self balancing binary tree can be considered of doing automatic division just with threshold of no more than 1 item per node. For 2d many uses cases of k-d tree will also subdivide on demand.