It won't go poof because neither the pos or neg of the 24v leads are attached to the frame. They both terminate at the starter. On on the solenoid, the other at a special terminal on the starter itself. To get 12v to run lights, fuel gauge, and other accessories you need to center tap the batteries to a chassis ground.
Look at JohnT's schematic, one battery lead is attached to the solenoid, the other is attached toward the top of the starter to a special terminal. This terminal is isolated from the chassis and is connected directly to the windings of the starter.
The generator is a split 24v also. The 24v splits into 12+ and 12- with a center chassis ground. So each batt gets its own 12v and gets charged individually. This balances the batts so one doesn't cook while the other is still under charged.
On my 4020 half of the lights are powered by 12+ and the other 12- (there are two power terminals on the switch)this also helps balance the system
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Today's Featured Article - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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