Sharp eyes and excellent question! I’ll be glad to answer.

Notice how most of the numbers on the front are in units of 2, 20, 200 and such. On most meters numbres such as 1 10 and 100 are used to indicate their range, however; with theses meters being so cheap and disposable, they have an issue with accuracy. If you go above the specified number (ie 30 volts or 300mA) the accuracy can not be maintained. If you were to make your own meter using normal standard components, you’d be lucky to be accurate with ±20% (based on the values of resistors, capacitors, and any critical components). Often, the higher you go (in terms of input voltage or current) the less accuracy you have (components warming up causes value drifting, eg a resistor value increases). So while the internal electronics are rated at more than 500mA, the fuse is added for protection, but above 200mA your measurements could be 20% off.

Meters become more expensive as they become more accurate, due to using better internal components.

In making this guide, I did find some cheaper red meters like the one above that had the same pre-soldered fuse you described. As far as I know, I have been able to confirm that Home Depot, Lowe’s, Hardware Sale’s and Ace do carry replacement fuses of this type, at least the lucky few stores I have visited around my state. In the case of these types of fuses, one would need to be familiar with the skill called soldering. But having to solder makes this guide more difficult if one is new to soldering. You can find out more about soldering here: Como soldar e dessoldar contatos