It is a violation of NEC rules to install 12 or 14 gauge wire in such a manner that it spans from one truss to the next (think of it this way, if you could use it to hang something from, its in violation).
It is not a violation to tun the wiring on top of the insulation in the attic (go figure). The exception being the wiring can't be laying on top of the insulation within 7 feet of the attic access. My attic has a roof peak at 8 feet and this is how the wiring is done (3 yr old house). Just make sure you are not walking or storing anything on top of the romex.
If it is really bothering you there are a couple of ways to clean it up. One way is to run the wiring under the insulation between the strapping supporting the ceiling and the 2x10s(or whatever). You can drill 1 inch hole through the center of the 2X10s if you can't get under them. Alternately you can run the wire across the top of the insulation, but only within a foot or two of there the roof meets the attic floor. This is generally considered safe as there is no way you could walk on top of the wires and the roof line is too low to allow at that point to allow that space to be used for storage.
I won't even address the no inspection issue. Its bad, but you already know that.