Why doesn’t a convection current form when a liquid is heated at the top?

If the heating is done on one small area on the top, there will be convection. If the heating is restricted to a small fraction of the heating area, then within that area the heating will go deeper than anywhere else on the surface. Then unheated area will have a shallower region of high temperature. Then some convection will occur in the deeper layers, causing some motion on top.

This happens quite a bit during welding. Convection is very significant in welding, even when the heating is from the top.

In the field of fluid dynamics, a convection cell is the phenomenon that occurs when density differences exist within a body of liquid or gas. These density differences result in rising and/or falling currents, which are the key characteristics of a convection cell. When a volume of fluid is heated, it expands and becomes less dense and thus more buoyant than the surrounding fluid. The colder, denser part of the fluid descends to settle below the warmer, less-dense fluid, and this causes the warmer fluid to rise. Such movement is called convection, and the moving body of liquid is referred to as a convection cell. This particular type of convection, where a horizontal layer of fluid is heated from below, is known as Rayleigh–Bénard convection. Convection usually requires a gravitational field, but in microgravity experiments, thermal convection has been observed without gravitational effects.[1]

Fluids are generalized as materials that exhibit the property of flow; however, this behavior is not unique to liquids. Fluid properties can also be observed in gases and even in particulate solids (such as sand, gravel, and larger objects during rock slides).

A convection cell is most notable in the formation of clouds with its release and transportation of energy. As air moves along the ground it absorbs heat, loses density and moves up into the atmosphere. When it is forced into the atmosphere, which has a lower air pressure, it cannot contain as much fluid as at a lower altitude, so it releases its moist air, producing rain. In this process the warm air is cooled; it gains density and falls towards the earth and the cell repeats the cycle.

Convection cells can form in any fluid, including the Earth's atmosphere (where they are called Hadley cells), boiling water, soup (where the cells can be identified by the particles they transport, such as grains of rice), the ocean, or the surface of the sun. The size of convection cells is largely determined by the fluid's properties. Convection cells can even occur when the heating of a fluid is uniform.