The reason brakes and clutch facing is the correct answer lies in the fact that certain products, especially in the automotive industry, are still permitted to contain asbestos under specific regulations. While there has been a significant reduction in the use of asbestos in many applications due to health concerns, some vehicle components, particularly older models, may still use asbestos or products that legally contain it, as regulatory bans have not made them entirely prohibited.
Acknowledging the context of the other options clarifies this further. Commercial paper, pipe insulation, and many building materials have seen very stringent regulations or outright bans on asbestos due to its known dangers, particularly in occupational settings. The government has taken proactive steps to limit asbestos exposure by prohibiting its use in products that pose a higher risk of inhalation or exposure to individuals in construction or industrial environments. In contrast, the regulations surrounding automotive components like brakes and clutches have not reached the same level of prohibition, reflecting a more nuanced understanding of risk based on product usage and exposure potential.