I got to thinking as to how companies can make the locomotive models have protection for the electronic components, and in line fuses sounds like a really simple solution to the problem. They could have them on motors for the most part; since those can very easily jam, make a short circuit, and blow up the board that drives them.
It's a tried and true solution, in fact to this day all cars have fuses for all the electronic devices. Of course the model manufacturers would have to find a way to make the fuses accessible and also create a fuse diagram for what each fuse does, but that should not be too big of a problem.
But the major question I have, is why they still don't have fuses in models? It's a really simple thing for them to add. Of course, it would save the manufacturer and the owner a ton of headaches when it comes to fixing the model.
I personally feel that it will add a big level of security to ensure that your item won't be completely bricked from one component going bad. Yes it might add a bit of inconvenience when something does break, but at least you would be able to pinpoint what caused a fuse to blow.