It would be but, in a domestic environment (and many a commercial one), one is simply never going to get anywhere near that position ("all MCBs near their limit") for a significant period of time. As has been said, the average total current demand from a domestic CU is generally going to be under 10A, regardless of the number and ratings of the MCBs. IIRC, DNOs work on the basis of about 2.5kW average for normal deomestic properties.The heat inside a distribution board where all the MCB’s are near their limit is rather high they all produce heat and that heat has to go some where.
Let's face it, an average demand of 10A (2.3kW), for just a modest 12h per day (assumed zero demand for the other 12 hours) would cost around £1600 per year.
Facts are very hard to come by, but I would strongly suspect that a very high proportion of fires which originate in CUs are due to poor connections, not to MCBs etc. bursting in flames because of overheating due to their carrying high currents at a high ambient temperature.It is reported that there have been many consumer unit fires so I can see how manufacturers would want to limit the sizes of the MCB’s fitted.
Kind Regards, John