Mr LL... I think you figured it out... "alternate path" is the exact thing that electrons/electricity takes when a shorted circuit happens. If a metal floating dock is not grounded the path of electrons from a ground or neutral wire connected a long distance away in a switch box can and does have a difference of potential and the path of least resistance will become the person in the water who comes into contact with the metal dock. If anyone wishes to take me up on this scenario I'll invite them down and drag out my Wal Mart volt meter to show them some interesting things when it comes to boat docks and electricity. If there is no ground on that dock you can actually grab a hot wire and not even feel a tickle... that's why wires are insulated and code calls for them to be in conduit or completely enclosed.
Something similar happens which I am not familiar enough with the explanation to give it but the galvanic reaction is why boats/marine engines are equipped with sacrificial anodes. Okay... I'll probably get bashed for that statement too but I'm cool with that too....





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