POI Files

I just purchased a Nuvi 360 and have started looking into these POI files I have found some examples but there is so far I have looked at resturants, red light camera location files & WiFi hotspots. This is what I don't get they all look the same Lon, Lat, & a "name" but what I don't get is how does the unit know the difference? and if these are just locations you can go to Who would ever want to go to a red light?