Where I live, to pass a plumbing inspection, you must have an expansion tank. Their reasoning is that (eventually), all of their customers must be operating with a check valve per federal regulations to prevent any back-siphoning into the main distribution system and potentially contaminating the public water supply. That can happen if the pressure drops, like when a lot of fire hydrants are opened, or some other hiccup...left your garden hose in a puddle? Could get dog poop, fertilizer, and who knows what sucked back into the water supply (which is also why they call for vacuum breakers on hose bibs, but not everyone has them, especially older houses).
SO, the point being...the utility could have added a check valve in normal system maintenance without you knowing, and now you have a closed system, and that would mandate an expansion tank to avoid this sort of problem.
The T&P valve is a safety device, and if it is operated on a regular basis, could fail when actually required. This is a safety issue, as well as a practical problem. FWIW, 90-psi is too high, residential water pressure by code should be 80-psi or less, so if what you're seeing isn't related to thermal expansion, you should have a pressure reduction valve installed in addition to the expansion tank that might be hidden somewhere and has failed. Normally, they're easy to find, but it could be tucked behind something and you didn't notice it, or high up in the ceiling.