Probably worth figuring out if this is standard practice and if so, why. A fuse or breaker, especially one thats 20 amps or less, between two batteries or between the alternator and the battery just seems odd.
Ammeters aren't on or off. It's the same as having a short piece of wire in the same location. If you go to the Chrysler MTSC page I linked, you'll see the ammeter consists a big plate with a connector on each end. A high resistance fine circuit is attached in parallel. When current moves through the plate, the needle in the fine circuit deflects.
Interesting. Maybe it has a big resistor in it (load test).