Attached a quick diagram to aid understanding. My understanding without some sort of current limiter the short circuit protection would trip as MPTT would raise current over the example 22A limits.
And yes could use a resistor or other load but that just wasted heat. In fact already have tested that setup with an array of 60W incandescent light bulbs which works.
Also before anyone worries this is thought experiment which may make it as far as an isolated lab/bench setup but isn't anything that looking to put anywhere near a true grid connection.
Just have an old off grid solar Inverter (that if it dies it dies) and various old batteries etc so it more the realms of possibility in a real disaster scenario.
If your MPPT controller blows up due to willingly drawing more current than it is capable of.. well then you have a shitty incorrectly designed MPPT controller that belongs in the garbage anyway (and so you should not be trusting your batteries to such a poorly designed device)
The MPPT is in control of the current and the designers of it know how much current it is capable of handling. Heck since MPPTs always tend to have a microcontroller inside it could even be made to reduce the current if it is overheating, letting it safely run at the maximum possible power even if the user installed it in some poorly chosen spot with no air flow.
If it is for backup power, just hook it up directly and let the MPPT control how much power it wants to take. As long as your battery bank is within the MPPTs input voltage operating range it is fine.
Do NOT wire up power supplies as a current limiting like that. You only get current limiting in the exact correct conditions where the load would be drawing roughly the right current anyway. But as soon as the load becomes too low impedance the power source will just force current trough the regulated PSU. At low currents you just get non regulated current, at high currents you blow up the PSU. However since batteries are capable of a LOT of current, if you short the output the batteries will send their full wrath into the PSU. Not only will this blow up the PSU, but it will also involve a lot of smoke, molten metal, some sparks, potentially a fire and a PSU that needs a lot more than just a new diode on the output. Not even joking. This does set power supplies ON FIRE