You raise some good points here. When I write comments, I only write what is not obvious from code. Example: Imagine there is some bizarre business rule that some insurance contract is 6% cheaper to write on the last business day of the month. That is exactly the kind of thing I will write inline code comments about. Someone without deep knowledge of that code would be clueless about that specific business rule.

I forgot about the no comments rule. Yeah, that sounds insane.