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Reading Rule 24, taking relief appears to be optional, can a local rule be made that makes relief mandatory.
A players ball hitting an overhanging power line MUST be replayed.
Yes, to both your questions. Taking relief is optional in terms of the Rule (it's the same with abnormal ground conditions) but you can adopt a Local Rule making taking relief mandatory.
Your example is not about normal relief from interfererence by a normal obstruction, however. It is a special Local Rule concerning striking the cable. Other than in this unique situation you do not get relief because of hitting an obstruction.