| The basic principal of electrical safety is that it must take at least | two failures to introduce a hazard. The neutral is a current carrying | conductor that is insulated. It is no longer permissible to use the | neutral to ground the exposed metallic frames of appliances or other non | current carrying metal parts of the electrical system. So there is no | exposure to neutral contact. The voltage on the neutral is far less than
But that same logic, neither of the hot wires poses a risk, either. Then in that case, we don't need GFCI in the kitchen or bathroom because the grounded frame will protect us. But in reality, any of these wires can get in contact with water if an appliance is dropped in the sink.
| the thirty volts it takes to break through a healthy humans skin
Human skin does not exhibit a fixed voltage drop. A mere 6 volts can get the current up to the painful level, depending on various conditions such as skin moisture. For some people, like elderly, it can even kill at these current levels (5 ma). This is why the GFCI settings are in this range. And 6 volts can be present on the neutral.
| resistance. In order for the shock hazard to exist a failure must occur | in the continuity of the neutral so that it's voltage would rise to the
It only needs to be an imbalanced load with some significant length of neutral wire run.
| service voltage AND the insulation would have to fail in a way that
Don't need an insulation failure for this to happen. It can happen with normal wiring.
| exposed you to contact. With the motor frames and all metallic | enclosures grounded via the Equipment Grounding Conductor (EGC) there | are three failures between you and a shock. Given the purpose of the US | NEC that is considered sufficient.
Only 1 failure to reach a level hazardous to some people.
| The reason that GFCIs are used to protect spa users is that the voltage | drop on the EGC might well be over thirty volts under a fault condition | that involves an ungrounded conductor. The likelihood of that being | true for a neutral fault condition is far lower.
No guarantee that a fault is going back to the EGC first. The person might be in series with that path.
| There is nothing stopping you from installing a three pole breaker with | a shunt trip coil and a ground fault detector to raise the level of | safety even higher. Alternatively you could use a contactor to energize | the circuit with the contactors coil current supplied via a ground fault | detection circuit. A three pole contactor would open all of the current | carrying conductors including the neutral.
It would not be UL listed.