There is also nothing to stop someone replacing an aluminium lamp with a dichroic reflector lamp in a fire rated fitting -
...Have you tried installing a GZ10 lamp in to a fire rated 230 volt fitting ?
I haven't tried it, and wouldn't even attempt it, as it's not possible as far as I'm aware. However, there definitely are fire rated fittings that will accept non aluminium reflector lamps. One example would be those that accept ELV lamps with the GU5.3 base.