No, iptables controls the flow. You cannot possibly always allow localhost no matter the state of iptables. First set a rule
iptables -I INPUT -i lo0 -j ACCEPT
iptables -I INPUT -i lo0 -j ACCEPT Then don’t allow users to override or add rules on top before this rule. I would suggest not allowing users to fiddle with iptables directly at all, and instead give them a script which they can invoke with predefined functions/parameters that does specific allowed tasks for them.
If you allow users to modify iptables, one could add a rule on top like the one I posted with -j DROP-j DROP and that’s that. That’s what iptables is for. There is no mechanism to “circumvent iptables for a specific set of parameters”, it’s the job of iptables to handle this.