First the smaller circuits will trip first, that's where the current is actually flowing, there wouldn't be any actually flowing through the whole house breaker in your idea. The main circuit to your house is 100+ Amps (this would be a tiny old circuit most houses have larger main feeds these days) at least. You'd have to feed at that much through the main disconnect for it to trip.
Second even if you could push that many amps through the main breaker somehow to trip it you'd be feeding it through wires designed for 15-20 amp nominal loads which would cook them.