The amount of current that can be delivered down any particular is limited for safety reasons. Short circuit protection only works if there's minimal to no resistance in the short (like two wires touching or a hot lead touching a ground like the chassis wall, etc.) If the short occurs on a PCB, in a motor, etc. the resistance in this circuit will typically NOT trip short circuit protection. What does happen is the short essentially creates a load. Without an OCP the load just increases and increases until the wire heats up and the insulation melts off.
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