I have 32A three-phase wired right up to my flat (1 of 3 stories), but only one of the three phases, along with neutral, is wired into the flat itself, together with a 25A glass fuse and RCD, and a few B16 breakers for sub-groups. The other phases are wired into the other stories of the flat.
If I wanted to, I could hack it so there's 32A current running right into my living room, but my utility company wouldn't be very happy about it. It would bypass the electrical meter, for starters.
Continental Europe has mostly single phase per home (3 phase for bigger homes) with star mains running from individual breakers. Most are 6A, 10A or 16A at 230V.
UK and Ireland are wired differently with a single ring main throughout the home, if my memory serves me, 25A breaker for single phase connections, and 13A (or lower) glass fuses or breakers on the device tapping from the ring.