a) Where the circuit load is not limited to below the cable CCC by design, i.e. the user could plug in or dial up more load on the equipment until the cable is overloaded.
b) Where equipment manufacturers specify it. Or rather, they will sometimes specify a maximum MCB or fuse size, not necessarily as overload protection but as short-circuit protection for the wiring and components inside the equipment. E.g. you might choose a 32A MCB to protect a 6mm² cooker circuit, where the oven is connected by 2.5mm² flex, and so long as the adiabatic is satisfied the flex will be protected against short-circuit. The flex won't handle 32A but the oven can't draw 32A for long enough to damage it, even in the event of an element failure. But the oven instructions might well specify a maximum 20A MCB because the oven internal wiring splits into multiple 1.0mm² cables, and for those the 32A MCB does not offer adequate short-circuit protection.
IMO the extractor fan 3A fuse business is just daft, though!
What governs the level of fault current available to trip the MCB is not so much the normal load rating of the 'stuff' but the resistance of the wiring supplying it. It takes a higher fault current to trip the larger MCB, which puts a lower ceiling on the loop impedance, and might require heavier cables. A long lighting circuit might have to be wired in 2.5mm² simply to enable a 16A MCB to trip fast enough, which is pointless if the total load is less than 6A.