I would be mildly annoyed at 110v in easy reach with metal with out an isolation switch.

So how does it work in the US then? Is there a law that everything needs to be isolated very well, no metal shells allowed or people just getting electrocuted from time to time

Never considered that Europeans don't know the wonderful sensation of 110v. It can vary from a slight tingle (it's not even tingle, but I can't describe it) to a "holy shit" moment that throws you back, depending on how and where you touched it and how much current flows. The great thing about A/C is the cycle, unlike a DC current which can lock your muscles and keep you from letting go.