Ct,
We just finished a house where the dryer was supplied with a 12/2 romex that was connected directly to the 60A service DC then strung through an unaccessable ceiling space packed with insulation 20 or so feet to the dryer. When I opened the dryer receptacle all the insulation was burned off the conductors back into the romex jacket. This house also had a 3 wire subpanel in the garage fed the same way (#12/60A)and a surface mounted receptacle wired with twisted cloth covered lamp cord. It was the kind of job you feel good about when you leave. (Also put the original FPE subpanel out of it's misery)
Brian