"CSS on/Images off is an unlikely scenario, but it is a possible scenario (also consider the possibility of images not loading for any reason). If I were in a u

"CSS on/Images off is an unlikely scenario, but it is a possible scenario (also consider the possibility of images not loading for any reason). If I were in a user stuck in that scenario, I'd say: I can't access core parts of this website. For a website developer, you could call that an accessibility problem, no?" No. I'd call it a connection/network issue. The universality consideration (which is what you are really advocating here) then points to progressive enhancement -- defensive design -- as a technique to mitigate the failure to load a page's supplementary assets.