That's obviously true up to a point, although there are still plenty of Class I items (hence with "earthed metal casing") in most homes, in relation to which a fuse/MCB would appreciably "protect people".Their main problem is that the protection they provide against overloads and short circuits is intended for the cables only. They do very little to protect people.
Fair enough in relation to RCDs, but do you really think that 'surge protection', or even AFDDs actually significantly 'protect people'?That is why devices like RCDs, AFDDs and surge protection are required.
As always, I'm not really being critical but merely trying to put your personal views/opinions into some perspective.
Kind Regards, John