Get under the car and look straight up at the steering column where it meets the firewall. You'll notice the screws that hold the base of the column are pointed where they poke through the firewall. The upper right screw points RIGHT AT the wiring harness and can poke through insulation at the oddest times.
The fix is to back that screw out and cut the sharp tip off.
Years ago, I went round and round trying to figure out why my car would blow that fuse at random times extremely often but the meter would never show a problem.