The main reason why you do not need insulation on the floors is simple.
Do i need faced insulation between floors.
The floor does not belong in the building envelope.
Floor insulation can sometimes reduce the room temperature below the dew point.
Sticking your vapor barriers and thermal resistance into places besides the exterior building shell can create odd interior dynamics.
The biggest concern that can happen due to floor insulation is mould.
So in an attic the paper faces downward and in a crawl space it faces upward.
Unfaced insulation the type without paper is what you would use if you are adding insulation to your attic or to place between floors when living space is above and below.
Any time you use a faced insulation the paper needs to be facing toward the living space.
Doing so can even cause problems.
The batting material must be faced and at least as thick as the joists are wide so the batting is nearly flush with the top of the joists.
Floor insulation can hamper the dynamic of vapour barriers and thermal resistance.
Install batting between the attic s floor joists.