Tom, good question. Simply put there is more to it than frost heaving and frost lines. Some non-frost soils(6% granular's or less by weight) or non-granular cohesive soils do not need depth and raised foundations can be built on them if the bearing/shear capacity is there. Plastic Index(PI) is an indicator of swell/shrink of different soil types. The higher can retain, expand, swell, shrink,
alot. Put those under a slab/floor, and a low PI outside the slab/footing, cupping or drying from high to low causes the floor to sag down and footings wall to bend/crack from difference in bearing capacity of soils. Just the opposite or "doming" occurs in the presence of
water pressure expanding soils under a floor/slab sucking water in from outside the footing's. You want positive drainage away from the building as well. So you can see even in normal seasonal weather issues can occur.
We dig down deep or below what is thought to be frost depth where there is less variations in PI, ground water impact, or where there is high PI that allows frost (freezing) to penetrate deeper below grade and keep all these actions away from the slab/floor/walls. The best thing to do at a minimum is obtain PIs at different locations and depths to design a foundations to. There are other test too.
So to
answer your questions that design won't solve the issues of having the wrong soils types in the wrong locations and improper drainage, or frost or pressure heaving the floor/stone/wall, and in some soil types the concrete is not needed.
Hope that helps