Why does one need a loop device at all?

I previously used to create image files using dd, set up a filesystem on them using mkfsand mount them to access them as mounted partitions. Later on, I have seen on the internet that many examples use losetup beforehand to make a loop device entry under /dev, and then mount it. I could not tell why one would practically need an image file to behave as a loop device and have its own /dev entry while the same behaviour can be obtained without all the hassle.

Udev rule is not being used?

I’m setting up udev to handle my external USB hard drive when it gets plugged in and removed (no mounting yet). So far, I’ve made two new rules in /etc/udev/rules.d/10-local.rules to log adding/removing the disk to a file: