In some cases, the service overcurrent protection devices (OCPDs) are not readily accessible to occupant(s). The service equipment area may be, for example, fenced off. Or the OCPDs are locked or sealed.
This arrangement is often a good choice for a multi-tenant building. No one tenant can disconnect the power to other tenants. Other types of situations may justify this arrangement, also. But if you go this route, you must provide (on the load side) branch-circuit or feeder OCPDs th