Hhmmmn! I agree with Matt here, there should be plenty of safety net with wiring.
Breakers for individual stuff, and a master/head breaker at source, It can't happen then, and the master doesn't have to be that big either, mine is a mere 25 amp, and it's never poped through normal use, but is small enough to pop with even the smallest short (if the 'even smaller' dedicated breaker for each circuit doesn't first, as of course it would, unless the short is between source and breaker board at the dashboard.
Nasty stuff, Electrickery.