The fuse element melts when enough current passes through it to generate enough heat. It heats at lower currents, too. Just not enough to reach it's melting point. With enough external heat applied to it, it will melt with NO current flowing through it.
Therefore, the element heats via Both current AND external heat applied.
Fuse clip corrosion or contact degradation creates resistance, and current flowing through that resistance generates heat proportional to the resistance encounters in the the path. So, the melting point of the fuse link is the combination of the current flowing through the link AND resistance AND current flowing through all those elements.
My stock bikes keep the the 15 A fuse and the fuse clip well below the melting point of the plastic. My thumb will sense quite warm, but I can keep thumb contact without pain.
As I said, the clip must be able to self align for full contact and the contact pressure must be high. Heated fuse clips can lose their temper and no longer provide the requires pressure, fuse AND clips.
Fuse clip cleaning should be a routine maintenance procedure, like every 5-10 years. Or, permanent and debilitating damage may result.
Honda soldered the fuse clip terminals before inserting them into the clip holder. Melting solder will definitely melt the fuse block plastic, and almost certainly destroy the fuse clip self alignment feature of the design, effectively rendering the fuse block useless.
Cheers,