I think it is a valuable rule. As an inspector I go to a lot of fires, both commercial and residential. It is common to watch the fire inspector track the start of the fire to a romex staple nailed too hard. Now whether it is from initial installation, combined with building movement, or someone hung something from romex or hit it carrying something (these are often started in the basement) it is proof that while NM is cheap and fast, it is not durable. I don’t think the rule pertains 100% to plenum and smoke considerations. I think durability and safety are also a factor. Putting NM cable in a drop ceiling in a commercial building absolutely subjects it to more risk for pulling on it from electricians moving troffers, other tradesman working in the ceiling, and maintenance men doing daily repairs. Also lets be honest, pride is a tool that not everyone carries. I see daily how guys sling MC as the crow flies, run ugly conduit runs, and place j-boxes in obscure places just because it is faster and “they see no reason to waste time making everything pretty”. Therefore, rules like this, in my line of work, are beneficial.