For one I seen many consumer grade, or "home" as you put it, PSUs that didn't shutdown automatically, and some of the cheaper ones actually caused the fire to begin with.
Please share a link where you can show that server PSUs do not have built in protection if you are going to make that claim. Most server PSUs retail for $500 on up when new and I doubt they have any less protection than the far less costly home units. I sure as hell don't want my $7k+ server busting into flames any more than you do your home computer.
Secondly, once you go the route of server PSUs, you almost certainly are going to be running many of them and with 240V power. Since you will be running 20 or 30 amp circuits, you are going to need a PDU to break this power out and distribute it to many different rigs. These PDUs range from low cost to expensive units, but they all come with built-in protection as well, that usually limits the maximum current each outlet on the PDU can deliver, which is a fraction of the units total current rating. So no, a server PSU isn't anymore likely to continue pumping current into anything than a consumer PSU is, both because of its design and because of the extra protection often placed in front of it.
Also when a short circuit situation does occur, no matter the wattage, or current available, a voltage drop will occur and it is this that the PSU circuitry detects, when this goes outside of acceptance limits it shuts the unit down, whether a home or server PSU. Can this circuitry fail, yes, but again I would wager most components in a consumer versions are actually less reliable and robust than those found in a server counterpart.
Mining can be a dangerous activity if done improperly, this is the case whether with a consumer or server grade PSU, but just because you are not familiar with one aspect of it don't go around spreading misinformation about the subject.
Thanks for detailed post, I'll stand corrected. When few years ago I was thinking of server PSUs I researched tons of forums and videos and I *did* see a few mentioning this issue. Just spent another half an hour seraching Youtube and this time didn't find any. Could they be El Cheapo Chinese knock-offs? Maybe, who knows. Anyway, as I said above, even if protection isn't an issue I was very disappointed by noise levels. My rigs are in my small house and living in a server room never appealed to my wife (nor to me tbh). I know people modify them to make them much quieter but still, they're loud. Size also matters. So back then I made my choice and am with quality ATX PSUs never loading them over 70-80%. Quiet, cool and don't take much space, although cost is higher.