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Because regulations give an unnaturally frightening slant to the possibility of fire and death, the real world is kinder to people and lets them live despite their ignorance.
A lot of downlighters come with an integrated fire hood now, of course this can be an issue if they are right next to joists.
In other news. The new regulations call for metal distribution boards to be fitted after April 2016, there will be no need to replace existing ones to comply but the regs have changed because of the number of fires in plastic distribution boards/consumer units. So one more thing to worry about.
How the hell have I only just found out about this, given that it's a potential fire risk?!