> main circuit breakers or any fuse in gear will never protect you from electrocution
IF the chassis is properly tied to safety "ground" (and you don't open the chassis), if the hot-wire touches chassis the fuse will blow. The TOTAL system makes electrocution much less likely.
Yes, if you stick your finger inside, you will be a toasted cinder long before a 15A fuse cares. (You probably can't get 15A flow through typical meat with 120-240V supply.)
> utility companies don't like you to connect neutral to a local earth cos it upsets the balance of their 3 phase distribution
Generally, utility power MUST be grounded. Overhead service is exposed to induction or outright strikes from lightning, also crosses from distribution lines on the same pole. Even in underground service there are lightning hits from customer premises.
The best thing to do with most of this crap, especially lightning, is to dump it to dirt as soon and as redundantly as possible.
Overhead lines usually have a dirt-rod every other pole, and dirt-rod at or near every customer.
In grounding service lines, you normally pick one wire and ground it. It is not economic to, as can be done on microphone lines, have a transformer-tap used only for grounding.
For US-style 240/120V power, the CT is grounded.
3-phase is more complicated. If the service is Y (star) connected, you ground the center of the star. If each leg is 120V, you can pull 208V from two legs. I think much European service is 230V from center and 400V available for large loads. 3-Phase can also be Delta, which saves a wire, but there's no obvious place to ground. Leave that to specialists.
OTOH there are the problems of broken-neutral and "objectionable ground current". There's no easy answer for all cases. Different jurisdictions (and different eras) have different rules where utility Neutral and Local Dirt Rod may be connected. In the US, at the Main Service-- in simple cases you just land all the white and green/bare wires on the same bus. But that's once per service (generally per meter)-- my garage should have a ground-bus isolated from white and a green run back to the main service. However that's expensive and in the 1980s it was omitted. Later it was required, yet the 2006 NEC seems to allow it, and the 2012 NEC apparently bans it again.
So yes: White and Green connect, but "where" is a question for local jurisdiction. And when "where" is not "very close", then any load current will induce voltage-drop in white and 0.2V-3V difference from white to green.
The white-green drop should be limited by total voltage drop to load. NEC suggests (does not generally mandate) 2% max drop from service to load. Half that would be in White. So anything over 1.2V (on 120V circuit) suggests A Problem.
Early in my career I learned what happens when white gets loose. To simplify: 115V loads on both sides of 230V/115V service, the CT (white) burned at the fusebox. My powered-mixer and a coffee-pot split the 230V. The coffee-pot was not getting hot, then my mixer *blew up*. It was getting perhaps 160V (the pot got the other 70V which explains why it was lame).
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Anyway, back to 2-pole versus 1-pole power switch:
If building for yourself, do whatever you like. It's an on/off switch, not some magic gizmo.
If building for production, hire an expert; switching is the least of your headaches.