Well a loco address and an accessory address are totally different addresses.
When the central station issues a command to an accessory decoder, it is sending a different request than would be used to control movement of a locomotive. Each device (loco decoder & accessory decoder) is looking for a specific type of request (or requests) from the central station and will normally only act upon it if that request contains the address assigned to that decoder.
Central stations constantly send loco speed and direction information to all active locomotives being run. This reminds the locomotive what it should be doing all of the time. Thus you can set the loco going, physically remove it from the track, wait a while and put it back on again and it will continue on its merry way as it was before.
The central station will also intersperse the loco commands with accessory commands as and when needed.
So when you change the speed of the locomotive on your throttle you are telling the central station to adjust the information being sent to the locomotive. When you use your handset to operate a point you are telling the central station to issue the accessory command.
Hope that helps.