I have been in my roof and found some concerning wiring choices that I want to put by you to know if I need to get a sparky. Like this just hanging out in black tape:

I am comfortable with terminating myself in junction boxes but one of them seems to be a join. I guess another junction box.

Also the picture of an existing junction box which seems to be open plan and full with blown in insulation fluffs, is this a hazard?

Thank you for helping! You saved lives/time/space today!