If I understand Don Casey right, wires should not be soldered directly to a terminal. They should have a connector crimped on. the picture below shows how all the switches were just soldered on and the there was one solid (also a no no) wire soldered to all the fuses.
A properly-soldered joint can be relied on, as long as it's big enough and the circuit is protected by a fuse or breaker so that the joint can't overheat under normal conditions.
But too often, inexperienced labour or the timid DIYer will not make consistently good solder joints. For that reason, most people will produce the best connections by using good wire and connectors, and the right controlled-cycle ("ratcheting") crimpers.
ABYC and UL/CSA specify that any soldered power connections must first be mechanically secured - eg poking the wire through a hole, then a full wrap around the terminal, before they are soldered.
Using a solid piece of wire as a short buss bar across the fuses isn't necessarily a no-no, as long as the wire is heavy enough and the solder joints were properly made. In that picture of the bus bar, all the solder joints are too small for my liking, and not mechanically secure enough.
So, proper crimped connections are the safest and best option for most sailors. They also make it much easier to troubleshoot and replace failed components.