In extreme cases, such as the redtail cat you have seen, stunting can be a problem.
but in many cases, fish that do not reach their maximum book value size still live very long and very healthy lives.
Remember, many fish in the wild do not reach full size either. They have to capture or forage for their own food out there, sometimes in an aquarium the eat much better and get larger than they would in the wild on average.
As far as stunting goes, it just depends on the situation.
For example, I have redhooks silver dollars that are 10 years old. They are between 6 and 7 inches long. Technically, they should be 10 inches long. Are the fish going to drop dead tomorrow because they didn't get 'full size'? no. They show no signs of kicking the bucket yet lol
the larger the aquarium, the more food you can feed the fish without compromising water quality, and the larger the fish will get.
so, its not tank size directly that affects the growth of the fish, its the amount of food.
in a larger tank, you can feed more will still maintaining good water quality and the fish will get bigger as a result.
So, I agree with the post above:
use common sense.
put an oscar in a 75 gallon tank and you will be fine.
but don't put him in a 20 gallon and expect him to do well long term..