I preach fuses. Very important!
Fuses however, do NOT protect the device. Fuses pop when something inside a device fails(like a board). They do however protect you. When a wire or device fails but remains energized lots of noxious smoke, heat, and fire can occur. In the case of unprotected wires they become like hot knives cutting through other wires and plastics or weld directly to metal. This can also cause the batteries to explode.
In rare circumstances the fuse itself is the device that fails and replacement is the fix, but thats the exception to the rule.
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