To expand on the previous poster's response: The "Reference Level" is just that, a reference to a level. If the level changes in elevation then everything referencing that level will adjust accordingly. But you still need to supply the values for the start and end offsets from that level.
You will find yourself (especially when creating unconnected items) having to adjust property values often after inserting/creating an element.
Depending on current reference planes, your current view, current snaps, etc, creation of new unconnected items may or may not make sense to you as the software may not have been able to determine your intent at the time, but that's why the properties are adjustable.
But if you had a "2nd floor framing" level current at the time of creation you would want it to be created "on the ground" of that level so Revit defaults to that "0" based concept.
Gary J. Orr
(Your Friendly Neighborhood) CADD/BIM/VDC Applications Manager
aka (current and past user names)
GaryOrrMBI (MBI Companies 2014-Present), Gary_J_Orr (GOMO Stuff 2008-Present); OrrG (Forum Studio 2005-2008); Gary J. Orr (LHB Inc 2002-2005); Orr, Gary J. (Gossen Livingston 1997-2002)