Modern cars often need room for many wires in confined spaces. Some manufacturers now use printed circuits instead of bundles of wires, particularly at the rear of the instrument panel.
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.
A headlamp bulb, for example, is designed to have a degree of resistance so that it consumes a certain current to glow normally. But there are at least two headlamps in the circuit. If they were connected in series, electric current would have to go through one headlamp to get to the other.
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.