There’s a saying. If you can’t explain it simply you simply don’t understand. Here there’s a few points to discuss to gain an understanding.
With stray voltage ….. without a path to ground or neutral you might question it and hardly even feel it. A tingling that you might think is salt in your cut, if you have a cut. Hold onto a ground with one hand and stick your other hand into that stray voltage and you become the path and won’t be questioning it anymore. If that stray voltage is on a 20 amp breaker you’ll get around 20 amps of juice before it trips. With a gfci it’s around 5 milliamperes (much less). A gfi works in a different way too. When it detects around 5 milliamps difference between the power going out, and what comes back via the neutral, it trips.
With a ground probe in your tank on a circuit without gfi protection the water in your tank can become a direct path and is dangerous.