> You do want your refrigerator on one. What when your mom is putting a metal saucepan into the fridge of leftovers, knocks and smashes the lamp inside, and the AC lamp power supply kills her though the metal saucepan?

Your fridge scenario is.. fantasy. What is the path to ground? There isn’t one.. you can hold onto a live phase conductor all day and not get shocked if the circuit isn’t completed.

Refrigerator only needs a GFI if it is within a certain distance of a sink.

> What when a baby puts a fork into an electrical outlet in the living room?

The NEC requires tamper-resistant receptacles in all dwelling units.

Also re: flooding and GFIs, all basement receptacles need GFI protection due to flood risk.