(although I'm still not sure why those fuses all the other things cost so much)
That's also part of your answer.
Just because companies can.
It's also a question of demand. There are two companies (Bussman, Littelfuse) making fuses that fit the majority of the Fluke handhelds. The 11A fuse has a 20kA interrupting rating at 1000V DC and the 440mA a 10kA rating at 1000V DC, that's quite a tall order for a physically small fuse.
By comparison, the household BS1362 13A fuse has an interrupting rating of 6 kA at 250V AC. These are made by every man and his dog and only cost around the £0.13 mark if bought from Bussman.
A similar rated 20x5mm F 12.5A 250V HRC fuse comes in at around £1.50 for a very similar capability to the aforementioned BS1362 13A.
So, the price factor for 'specialized' 20x5mm versus 'every household' BS1362 is about 11
1/
2.
It's plainly obvious that the material costs of a fuse are going to go hand in hand with the power it's rated to break, so the 440mA 'Fluke' fuse should cost around 6.7 times what the 20 x 5mm fuse does. And indeed, £1.50 is something close to the price of a 'Fluke' fuse divided by that 6.7 factor.
So there's two factors.
- Middling demand fuses, such as multimeter fuses and high current 20x5mm HRC are always going to cost more than high demand items like BS1362 fuses which in fact are a bargain for their rated breaking capacity.
- Interrupting capacities of 10kA and 20 kA at 1000V DC are just going to be expensive to implement.