Ken, I suppose my analysis would be that dry human skin has a resistance in the 10s of Kohms, while the speaker has a resistance of just a few ohms. If the current has an easier path, i.e., into the speaker coil rather than into the person, it'll follow that path. Although very small currents, e.g., 0.1 ampere, can be fatal, this doesn't develop from touching speaker terminals. If it was otherwise, I suspect that we'd have folks keeling over left and right when working with their speaker wiring.

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Enjoy the music, not the equipment.