Fuses are necessary on any electrical system, and especially in a car, which is an electrical shitshow (floating ground, high-voltage and high-frequency interference), fuses blow all the time. Granted, usually on a well-maintained and new car it happens very rarely, but saying that it's a catastrophic and concerning event is dumb.

This is a pyrofuse, it does not blow with overcurrent as regular fuse, but blows in the same way airbags blow - when detecting a crash. We can debate if they blow too quick, but if you are designing this system - where and truly lives can be in danger, you would probably err on the side of caution too.

What sort of cars do you drive?

I’ve never had a fuse blow on a car less than 20 years old, and then it was due to shorts due to damaged insulation and bad grounds due to corrosion, which are legit problems that need to be corrected.

Also, unlike breakers, fuses are generally immune to issues with HF interference and the like - they work through basic thermoelectric effects which iron out all but the most extreme issues. If you’re moving multiple amps in a situation described as ‘RF’, or ‘high frequency’ in a DC system that’s not just noise!

That’s a real problem that needs fixing!

Not fixing the underlying problem behind a blown fuse (or constantly tripping breaker) is how your car (or house or whatever) burns to the ground.

Or you have a Lucas, in which case my condolences.