If the toaster falls in the bath, then the electricity will take the path of the least resistance to earth. This can be through the water, or through a person in the bath, or even both. In the old days, when all plumbing was metal, the easiest route was via the drain. Today most baths are plastic of glass fibre, and most drains are plastic. So the route to earth is often the dampness on the bath and through the taps. So the electricity will flow in all directions, including through a person.
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