Why is Electrical Panel Rating based on Amps really

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if the feed wires into my panel are large enough to support all the loads of all the breakers in my panel... why is the panel rated with a max amp load. I mean... none of the breakers will trip if all the wiring is sufficient. is it a question of heat? but even if it gets warm in there, will that cause breakers to fail or be a fire risk?


2nd question for extra credit
my home has an outside panel just next to the meter. the panel has only 1 240v 100 amp breaker which feeds the 'main panel' in my garage and 1 120v 20amp breaker which goes ot garage outlets. this outside panel has a label that says 125A max. my question is can I add another 240v 50amp break in this outside panel (which currently only has 2 breakers as i describe) ? if I cant then what is the point of this outside panel if almost all of its capacity is just that 100amp breaker for my "main panel in the garage"? is it a code thing that i need to be able to turn off all power from outside the house?

thanks!
 
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