>Even if you use a TT system, you must have something to protect the .75 mm2 lamp cords from short-circuit? (A 20A type C breaker will allow 100A current for several seconds. There won't be a trace left of the lamp cord by then...)

I presume that by lamp cord you mean the cord which goes from the cieling to the lamp.
Are you so sure that a few seconds of 100A on a 0.75mm2 will make that there is no trace left of the lamp cord? Remember that the lamp cord is relatively short.
If the lamp cord does melt, then it will be at the connecting points (b/c of the higher resistance at the connections). Therefore, The idea of the breaker is to protect the wiring in the walls (b/c of it's unaccessibility and fire hazard), not the lamps and appliances, which can be easily accessed.

What curve do you use in Sweden? (It is Sweden, right?) What's your solution to protecting the lamp cords?