This is called a negative earth system, and when buying an electrical accessory a radio, for example check that it is of a type suitable for your car system. Fitting a radio with the incorrect polarity will damage the set, but most car radios have an external switch for setting the polarity to suit that of the car. Switch to the correct setting before fitting.
The other, probably rated at about 20-30 amps, protects components not wired through the ignition — horns, interior lights and the cigarette lighter. Where a single fuse protects a number of circuits and keeps blowing, each circuit must be checked individually to discover which one is faulty.
In a negative (-) earth-return system, the current flows from the positive (+) terminal to the component being operated. The component is earthed to the car body, which is earthed to the negative (-) terminal of the battery.
Thin wires conduct less easily than thick ones, because there is less room for the electrons to travel through. The energy needed to push current through a resistance is transformed into heat. This can be useful, for example in the very thin filament of a light bulb, which glows white hot.