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A circuit without GFCI protection can be wired perfectly but it is not designed to protect you from shock and possible death if you accidentally insert your body into the circuit. That protection is offered by an additional device called a GFCI.
Correct. A breaker is designed to protect the wiring and outlets, by ensuring that no more than the rated current passes through them. #10 wire and a 30 amp outlet could start a fire if say, 100 amps were delivered through them. But the breaker doesn't care what those 30A (to use an example) are delivered to, just that the current doesn't exceed 30A.
The GFCI, on the other hand, is designed to protect people. It does this by ensuring that all current that flows out also flows back in. If there is more than a tiny variance, that means there is a (usually undesirable) current leakage somewhere, and the GFCI trips in case that somewhere is a human who is about to die a quick but horrible death. The GFCI doesn't care how much current is flowing, just that the return is balanced.