I usually tell people to imagine that the conductor in each terminal was not joined, but a continuous loop.
But it's not a loop, the cable is jointed in the terminal, and the joint needs to be suitable for the load that's flowing through it. Unless the manufacturer says the the input terminals on an accessory are rated to carry more current than the headline rating of the accessory, then we can only presume that they are are rated the same as the accessory, we can't go guessing that they look like they can handle more than accessory with nothing to back that up.