Actually, the OP has a point ....
As was so nicely explained to me at this site, the NEC does NOT require Romex to be run back away from the face of the wall. Code only requires the cables to be set back where it passes through framing members.
If you recall, I posted pics of an instal where the cables ran just under the face of the drywall, wrapping around the insulation to pass through set-back holes in the studs. No one here thought that was the least bit unusual; some posted their pics of a construction method where the cables ran in the spaces between firring strips, with a similar result.
Now, as for the bathroom ....
Forget about little drywall screws and the rocker aiming for the studs. Hand rails, shower doors, sinks, and who knows what else are mounted to the walls, and it's rare for any of the anchoring bolts to line up with the framing. That's why walls in those areas often have sections of lumber - 3/4 plywood or better - on the walls. That lumber is there to hold screws - even lag bolts.
If you're smart, you'll run the wires to avoid these reinforced sections as much as possible. I've still had one job where the cable was shorted by the guy putting up some trim molding in the shower, though. Metal trim, metal plumbing, metal framing- that whole house became "live," but that's another tale.
We're still stuck with a code that allows us to run wire in harms' way. What can I say? You can't fix stupid .... and call-backs are no fun at all. Sure, you can argue 'minimum code,' but really - you want to try to explain to the customer next month, when the wall is opened up and the new bath has to be re-done, how it was perfectly reasonable for you to run your wires right under the surface of a board that was installed for the specific reason of holding screws? Good luck.