A car tire can work in some instances, but it is an inferior tire for a trailer. Sidewall's are softer, and in a tandem arrangement it could be very bad. LT tires can be ran without any issue due to their similar sidewall construction, as well as cargo van tires given they are the same type
Personally, I think this sidewall story, ST tires, can't use car tires, yada yada is simply the tire manufacturer's BS to sell more tires.
The last TeeNee trailer I bought (a tandem, btw) came from the factory with bias ply CAR tires. What could TeeNee have been thinking? I ran those tires for 25 years and never had a failure or saw sidewall cracks. The boat was garage kept so it only saw sun when parked at the launch ramp. Yeah, that was stupid to keep them that long, but in my defense the launch ramp is only 1 mile away on a 30 mph street.
The ONLY tires I ever had a failure with were Goodyear radial STs that were chinamade. At the time there were no good USA trailer tires. I replaced them with LT tires and had no further problems.
Never had a problem with a USA made bias ply tire, even if it was chinamade.
Just my opinion based on personal experience, governed by my specific set of circumstances.
(PS - the sidewall on an ST tire says not for use on vehicles with passengers. If its not safe for people, what good is it? My baby boat is certainly worth more than a few of the people I've run across.....LOL)