Clandestino
I did get a real life example just a couple of days ago:
Tel Aviv LLBG - RNAV STAR AMMOS 1E, descending to 6000 ft
ATC says: "Cleared RNP W approach RW 30"
We maintained 6000 and after some time asked ATC if we could descend according to profile
He was very angry: "You've been cleared for an approach - you should have descended"
There was no time for arguing even though I'd love to talk to him...
I agree that clearance for an approach includes the entire procedure.
It's just that I've been a witness for exactly the opposite!
In a similar circumstances another ATC was yelling: "Who gave you permission to descend?!..."
That is why I am desperately looking for a legally-proven answer.