Fun fact - the reason outlets in new construction are installed upside down (ground prong on top) is that the groudn prong can stop this from happening if something falls on it:
UK has 240v for everything which may explain the insulation. Has been the standard about as long as I can remember - so back to the 70s.
Someone put a lot of thought into the design. Ground at top to prevent accidents like you show. Ground pin is longer. Insulation covers enough of the pins that live and neutral disconnect before conductor is exposed from socket. Both will be fully disconnected before earth disconnects.
It's not just new constructions, ground pin on the top has been the "correct" orientation for a long time. They've been installed "upside down" this whole time but that's what stuck. It's not in the NEC and while there was a suggestion to put the ground pin up, that has never been required by code and most people think that having the ground pin down looks correct.
If you actually look at a NEMA 5 outlet with the ground pin compared to old ungrounded polarized NEMA 1 outlets the NEMA 5 outlet is rotated 180 degrees. The larger neutral slot is on the right on old outlets and with the ground pin down on a NEMA 5 outlet the neutral is on the left.
It's not just for people dropping coins or paper clips on it though. Some outlet covers are metal and if the screw is loose or damaged that's basically guaranteed to short out if something is plugged in with the ground pin on the bottom. Another common thing is people using a tape measure along a wall, it's so thin that if there's a small gap it could shock someone using it or if you're lucky just short against the neutral.
Your standard 120V appliance outlets are only using a single phase and neutral. IIRC the smaller prong is hot and the larger prong is neutral.