here we go, another example of people acting like a flock of sheep and just copying what they have seen from other people who have just copied what they have seen, and not actually have any idea why they are doing it.Another example is when plasterers skim the wrong side of the plasterboard and convince themselves there is a good reason for it, simply because they have been doing it for years and find other plasterers doing the same...just like sheep....
1. The reason is as stated earlier, in case a plasterers trowel, or wheelbarrow etc damages the cable. This is ok on a big job where nobody knows each other and a plasterer will not give a toss if the cable is damaged or not, as long as he can get his own job done. In domestic cases with your usual workmates or at your relatives house this should not be a problem.
2.Yes the other one is that the plasticiser in the cable USED to leech out (check out the green goo). These days the plasticiser is supposed to be affected by polystyrene. There are some types of plasterboard these days that are backed with polystyrene for insulation purposes.
3.It was said that the capping was put in for protection after it has been plastered, but nails and drills can go through capping like butter. This is illustrated by the fact that you have to hammer nails through the capping when putting it up in the first place. To protect cable by capping the regs say that it would have to be earthed (when have you ever seen that) or be of such strength as not to allow easy penetration by nails etc.
I like the " thats a town hall job " expression