The main difference is the protection circuitry built into those battery packs that are in your devices. Single cells have no protection circuitry, or basic over-current/over-discharge protection circuitry, nothing like the packs in your laptop, which include at least 2 thermal sensors, a temperature-sensitive circuit breaker, controllers that keep track of cell counts and individual cells' voltage history, in addition to over-current/over-discharge protection.
And Larry, I'm appalled! What if (I know, hypothetical what-ifs are for pessimists) a component in your PSU went bad? Do you trust every single component that is inside of that? Sometimes it is nice to have a backup safety device, even if it is just you staying aware that you have cells charging and to go check their temperatures with your "biological temperature sensors" from time to time. I trust Sanyo way more than the StartFire brands, but it's still Lithium chemistry. This is an extreme analogy, but just because you use a better brand of dynamite, doesn't mean you can treat them like firecrackers. (Hmm, sounded better in my head... Stupid head....)
*steps down from his soapbox*