Are fuses hard to replace?

Are fuses really as difficult to replace as some people make them out to be? I've heard that it can be a complicated process, but I'm curious if that's just hearsay or if there's actually a significant level of technical skill required. Could you walk me through the process of replacing a fuse and let me know if there are any common pitfalls or challenges to be aware of? I'd appreciate any tips or advice you can offer to make the process as smooth and straightforward as possible.