Short answer....Nothing keeps them from landing a neutrals on the ground bar to the left.
If this was a sub panel where a grounded and EGC was pulled to it and landed properly and all the branch circuit neutrals were landed on it and not the actual insulated neutral bar that would be a violation and the return current would energize all of the non-current carrying paths of whatever it was feeding if EGC were pulled and landed.
If it were the service entrance panel and was the 1st means of disconnect and the Neutral was landed on the ground bar and bonded properly I don't see where you'd need the insulated neutral bar for its intended use at all and could completely get rid of it.
If it were a subpanel and the Feeder Neutral to this subpanel was landed on the ground bar that would be a violation of not separating the 2.
If it were a subpanel and the Feeder Neutral was landed properly and someone landed the branch neutrals on the ground bar, that would be a 2 fold violaion of not separating the grounded and EGC's and also using the panel tub as a return path if they also violated the rule and accidently installed the bonding jumper.
If it were a service entrance panel and they landed the branch neutrals on the ground bar but left the insulated neutral bar in place and installed the boding screw through the insulated neutral bar into the panel enclosure that would also be a violation if the jumper strap was left out of using the metal box and the bonding screw as a neutral return path to the neutral conductor.
JAP>