Why must a measurable cardinal κ be inaccessible, and why does κ-completeness play the central role in forcing this?
Think about your answer, then reveal below.
Model answer: κ-completeness means the ultrafilter is closed under intersections of fewer than κ of its members. If κ were a successor cardinal λ⁺, we could partition κ into λ-many pieces of size λ; the ultrafilter's κ-completeness would require it to contain an intersection over λ-many complements of singletons — but that contradicts the nonprincipal requirement (no singleton can be in 𝒰) together with maximality. This forces κ to be a limit cardinal. The regularity argument then shows κ cannot be singular. Together, these properties give inaccessibility as a minimum threshold, below which the κ-complete ultrafilter simply cannot exist.
The key is that κ-completeness is a closure condition on intersections, and this closure condition clashes with the partition structure of any 'reachable' cardinal. Each time you try to construct κ from smaller pieces, those pieces generate a partition that breaks the ultrafilter. Only a cardinal truly unreachable from below can sustain the required completeness. This is why measurable cardinals belong to the large cardinal hierarchy above inaccessibles, Mahlo cardinals, and many other intermediate large cardinals.