There are generally two was that electricity kills you.
The first way is that it screws up your heartbeat. This can happen at a surprisingly tiny amount of current, if that current happens to pass through your heart. Most safety standards are built around 5 mA being “safe”, and anything higher is dangerous. The thing is, this is a bit hit and miss. Your heart is more sensitive to disruption at certain parts of its cycle than others, and the amount of current also matters. 100 mA is significantly more likely to throw your heart into fibrillation than 10 mA. Your heart has kind of a funny design in that the fibrillation state is stable, meaning that if no one does anything, the heart just sits there and shakes and is no longer pumping blood. You pass out quickly, and die shortly thereafter.
At higher current levels, you get into the second way that electricity kills you, which is that it literally cooks you to death. This requires a lot higher current levels, but is also a lot less hit and miss. People generally don’t survive a trip to the electric chair.
There are three basic types of protection in a typical modern home.
CIRCUIT BREAKER
This is designed to protect your wiring. It is NOT designed to protect you, at least not directly. An overloaded circuit will catch fire and burn your house down. A circuit breaker is designed to prevent that. A typical circuit breaker trips when the current exceeds 15 amps, since your typical #14 house wiring will heat up excessively at currents above that.
A circuit breaker does ABSOLUTELY NOTHING to prevent electricity from screwing up your heartbeat, and it only prevents you from cooking to death if the current exceeds 15 amps by a significant amount. 5 amps can easily cook you to death, so don’t count on a circuit breaker to save you.
GROUND FAULT CIRCUIT INTERRUPTER (GFCI)
aka GFI, and commonly called an RCD (Residual Current Device) in the UK.
This is designed to protect YOU. Basically, it measures the current going out the one wire with the current coming back on the other wire. If they are different, it assumes that the current found a new path, quite possibly through a human being. Again, most safety standards are built around 5 mA. If the GFCI detects in imbalance of more than 5 mA, it trips. A GFCI protects you from both a low level current that could screw up your heartbeat and kill you, and also protects you from a higher level current that could cook you to death.
ARC FAULT CIRCUIT INTERRUPTER (AFCI)
These were created in response to the fact that a frayed extension cord can easily burn your house down without tripping a regular circuit breaker. The device trips if it detects arcing, like the type of arcing that you get from a frayed cord or a loose wire.
GFCIs are known to be susceptible to nuisance trips, especially when something with a motor or a high current load is plugged into one (i.e. a treadmill). Some brands are more prone to false tripping than others.
AFCIs can also suffer from nuisance trips, especially when an old power tool pretty well mimics an arc fault due to the brushes in the motors arcing as they slide along the contacts on the commutator. Here is a picture for those who don’t know what motor brushes are;
While nuisance trips can be annoying, GFCIs and AFCIs are definitely NOT solutions in search of a problem. Since GFCIs started being required in new construction in the 1970s, the rate of electrocution deaths in homes has dropped significantly (something like 1/10th what it used to be, IIRC).
I am generally all for folks doing things themselves, but electricity is one of those things that can easily kill you if you do it wrong. Make sure you know what you are doing before tackling any electrical job.