Radios have protection also. Some are fuse links built into transformers, just like Doorbell and most appliance transformers have.
Most all DC operated TVs and Radios have reverse polarity protection also.
They are not always made to be user replaceable, But they can be replaced.
Most everything that has UL Approval will have internal protection of some kind.
Even CFL bulbs have a fuse. The only way that I know is because I took one apart that blew to play with it and see what went bad.
Water heaters and coffee pots have a breaker or fuse link built in. Compressors have auto reset over current devices.
Chances are if a appliance quits working, it is because of a fuse that is blown in the device. Normally for some good reason, But vary rarely will it blow a 15 amp panel breaker.
A heating element operating on 240VAC may be a exception and may trip a breaker if it shorts to Neutral or Ground.
A Fuse may not protect against stupid, because you can not fix Stupid with any size wire, fuse or breaker.