The only place that I have seen where beads cannot be used are fly fishing only sections. It states in the regs for FFO sections that the fly must be made of wood/fur/feathers/etc wrapped/tied ON a hook. A bare hook is not allowed on those sections.
I use beads almost exclusively for steelhead, and just as others have stated, the only time I have unintentionally snagged fish it's been due to a tandem rig and I know instantly that it's a snag. All hits are hooked in the mouth. If you have too much line between the bead and the hook the fish actually swallows the hook and gets gut hooked. That's why you keep it closer.