There are of course various devices which somehow ended up using TRRS for USB, but unplugging/plugging those while powered is definitely not recommended:
https://www.reddit.com/r/ErgoMechKeyboards/comments/rt083u/a...
http://www.totekinternational.com/35mm-trrs-to-usb-a-male-ca...
https://pinoutguide.com/PortableDevices/ipod_shuffle_pinout....
https://github.com/zsa/docs/blob/master/Ergodox%20V5-L.pdf
Of course the design requirements of USB would be different, since you'd always plug/yank the cable on a machine that is on, rather than protect against doing this accidentally sometime. Given that, it probably made more sense to completely avoid the issue.
ESD protection diodes also don't really solve the problem. They are intended for short-duration high-voltage low-current spikes, not long-duration low-voltage high-current ones. Definitely better than nothing, though!
No. You have to deal with disconnects being possible at both the host side and the device side. Making the tip live means you're touching a live wire to each contact in turn while plugging in the device side.