If you are using a smaller screen size or you zoom in far enough with your browser, the Inspector does not show up in the Rich Area Field for Smart Forms. In the following screenshot, you would normally see an Inspector button at the bottom.
The workaround is to zoom out (Ctrl - ). A CSS fix is not possible because the dimensions of the window are controlled by the following JS file.
NOTE : If you make modifications of this file, be sure to make a backup.
Alternatively, you can upgrade to Ektron 9.10 where the Inspector button is built into the toolbar on the Review tab. There are additional improvements to the editor in 9.10, such as the toolbar now being set into the window rather than hovering. (If you prefer it to hover you can still do that.)