Jim Macklin wrote:

Once past the FAF, the pilot becomes the sole authority on
the landing since only the pilot can determine flight
visibility. An aircraft using an N number can be issued an
approach clearance right down to zero-zero. A Tango
November or airline call sign will prompt a denial or query
about the legal status of the flight.

No, it won't. If you want an approach clearance you will get one. The
legality is not ATC's problem.