What used to be waved away as inaccessible areas changed, so that visible single insulation is not kosher....
You are right, but your line above reminded me of a few things!!

Yea, ceilings are absolutely considered as 'accessible', for multiple trades, including the home-owners themselves.
But the laws are funny!! I used to also be responsible for fire-systems in multi-story buildings. They (authorities here), stipulate the
'legal' height of a building as from the 'Floor-Level' of the Top-Most-Occupied-Floor, to the lowest point of egress. This means that
Plant-Rooms above, (and lift motor-rooms) did not count, because... "Anyone up there have technical knowledge regarding safety,
as well as better knowledge than the general public regarding emergency exits etc.". Basically, it is a 'cop-out' rule for building
owners, otherwise virtually every multi-story building owner here would be in the shit!
