Please correct me if I'm wrong but are not the breakers meant to
protect the wiring from the breaker to the load? Any load device
protection provided by the breaker is just by accident?

Load & circuits do tend to be balanced but isn't that mostly a cost
consideration not safety?

Kind of silly to run a 60 amp 220v circuit when a 30 will do?

How often do we plug a 1 or 2 amp appliance into a 20 amp breaker, no
load protection here.

cheers
Bob