I am struggling to get my head around the current flow from a plastic boat to a pontoon that is sat in the water, effectively at earth. The keel is also sat at the same potential, as it’s in the sea.
The best way to look at this problem is to ensure your onboard mains (shore power system) is as robust as possible, and will indicate correct Live and Neutral Polarity prior you to switching on your onboard mains switch. Then a means of detecting a leakage of current ie with a RCD or RCBO
My B34 has a indicator to show correct polarity, and a RCD mains incoming circuit breaker. the RCD checks the current in the Live and Neutral conductors is equal, any difference >30mA will trip the RCD (am pretty sure Bavaria fitted this as standard).
Test your RCD every time you connect to a new shore power point.
re: your quote above.
you hit the nail on the head 'effectively at earth' you would think its all at the same electrical potential "Zero resistance" but never is.. NORMALLY THE RESISTANCE IS VERY LOW but resistance never the less.
A fault current will find the path of least resistance to complete a circuit.
It is very rare for things to be perfectly connected and this will cause a very small voltage drop which is caused by resistance, every cable, every joint has a minute resistance - including the sea - normally this never causes a problem apart from very special installation ie a boat being one in my opinion.
To give you a example, a cow stood in a field near a electrical pole or buried cable with a leakage fault, can be electrocuted because for the distance between its front legs and rear legs.. the resistance of the ground caused a voltage drop between its legs - which could be enough to kill the cow... (from a working example in my electrical engineers study days)
"People have stopped breathing when shocked with currents from voltages as low as 49 volts. Usually, it takes about 30 mA of current to cause respiratory paralysis. Currents greater than 75 mA may cause ventricular fibrillation (very rapid, ineffective heartbeat)"
https://sciencebasedlife.wordpress.com/.../how-much-voltage-can-you-take-on-before-y...
The main point is, that if you have a RCD or RCBO as yngmar mentioned that device will detect a leakage fault and trip safe, when you have a faulty appliance onboard that cause a stay current.. so your safer..