The fuse is there to protect the wires in case of a short. You can look at the different amperage ratings for different gauged wire. Off the top of my head, 10 ga wire is suitable for carrying 30 amps. If your fuse is too big and you have a short, the wire gets hot, the insulation melts off and it can start a fire and all of this can happen before the fuse pops. I learned this the hard way by putting a piece of aluminum foil around a fuse in a car when I was a kid. I still hate the smell of melted insulation.
1983 Fraser 41
La Conner, WA
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Boating for over 25 years, some of them successfully.