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If anything, we'd probably be better off with keywords in questions triggering a "potentially off-topic" warning with recommendations on where to ask instead such as iPad but I'm not sure how workable or friendly it would be...
It does seem to be being used any-old way at the moment... The only valid non-meta use I could think of is for the System "process" or SYSTEM owner on processes or objects, and indeed it is used in that way occasionally...
My rule is that formatting is only good while it makes things clearer. For example, a heading for a one-line answer doesn't really clear anything up, whereas headings throughout a 20,000 word answer probably would!
