People should be mindful of noise at all times, but if it's late in the morning, I feel it's unreasonable to have an expectation of tip-toeing around without bringing it up and asking if you can come to some sort of an arrangement.

It's the expectation that I think is the problem.

Whereas the expectation that daytime is for normal activity is not unreasonable. Why? Because that is the way it has been and still is. It doesn't mean it's "good", or "fair", but it is the current standard and if you want to deviate from it it should be up to you to say something to get what you need.

We have norms and standards in society that people do expect, these different in different parts of the world. Bring a gift when you meet parents for the first time (east Asia), don't be loud at night (Nachtruhe, Germany). If you want to deviate, then yes, it's on you and communicate.

As I've repeated in other comments, if there is some reason someone needs to sleep at "unstandard" hours, then I'm not suggesting they just deal with it and suffer.

What I am suggesting is that it shouldn't be taken for granted that day time should be treated the same as night, and that staying up late should mean others need to tip-toe around during the day without asking (unless there is some other reason, or you ask for it to be different because XYZ)