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The reason is that these settings make no sense. Why should a terminal be
transparent, or have an image behind everything, but the same not apply to,
say, gedit, or firefox, or evolution?
That's the problem with self-proclaimed usability experts. They see the word "consistency" and think to themselves "Oooooh, I shall make everything consistent".
This is why in Gnome, all tab bars are on top, including in the terminal. Consistency for the sake of consistency.
--- The reason is that these settings make no sense. Why should a terminal be transparent, or have an image behind everything, but the same not apply to, say, gedit, or firefox, or evolution?