The saving grace of course, is that accidents are very, very rare. As you describe it is still OK as it would require a double fault to be dangerous, i.e. bothe a broken earth cable, and also failed insulation in applience. Remember a lot of the developing world uses class 0 (metal case, not double insulated, not earthed) and accidents are still moderately rare.
(I think even in India, which has the hairiest of all electrical installation quality I have ever had the pleasure (?) of connecting to, I believe from a population of roughly 1000,000,000 on average only one person is electrocuted every 15 to 20 minutes. To put that in perspective, they have nearly one quarter million road deaths a year, which may be why they don't see electricity as the highest priority. )
Coming back to the plot, if you add an RCD, it needs a triple fault to be dangerous. The accepted design practice in the western world, is that double fault to be dangerous is enough to have taken adequate care.
However, you really should know how to operate and reset the fire alarm, there are legal implications if you are lever left holding the fort.
(I think even in India, which has the hairiest of all electrical installation quality I have ever had the pleasure (?) of connecting to, I believe from a population of roughly 1000,000,000 on average only one person is electrocuted every 15 to 20 minutes. To put that in perspective, they have nearly one quarter million road deaths a year, which may be why they don't see electricity as the highest priority. )
Coming back to the plot, if you add an RCD, it needs a triple fault to be dangerous. The accepted design practice in the western world, is that double fault to be dangerous is enough to have taken adequate care.
However, you really should know how to operate and reset the fire alarm, there are legal implications if you are lever left holding the fort.