I think KungFuJosh was the only one suggesting floating a scope. I explicitly described how to use it between her non-xformered SWMPS (which has been discontinued; likely because of the issue she found) and mains, LEAVING her scope properly grounded.
In this context, user naivete is a canard. Even a soldering iron is dangerous if the user does not know how to use it. Why is RTFM such a popular acronym in this forum? What equipment IS safe if the user does not know how to use it?
For AmeliaBurns, I have a simple, cost effective, safe solution if she is working on circuits below 20V. Buy a Digient Analog Discovery for $300 which provides all the TE she probably needs. In her situation, buying a lab grade PSU may well be shooting a flea with an elephant gun. She is not a professional.
I am surprised no one brought up ensuring the PSU is meets UL or EU safety standards.
Wait my PSU isn't discontinued, it's still up for sale! Plus, don't even the fancy power supplies have some leakage in a similar range to my my unit? How much should I expect out of those? I didn't realize/think the leakage would be all that different. 90-100uA seems to be considered very good for leakage? What is "non-xfornered"? Sorry for all the questions

I'd be tempted to see if I can modify the components to reduce this etc, but that'd be not a great idea for a beginner honestly. I do feel like I'm a bit too paranoid about mains.
I'm technically a software engineer

I do embedded too. but I do electronics for fun. Although I have this terrible habit of trying to be "professional" at every hobby I do. so I read all about impedance matching and all the rules even tho I'm just designing a crappy LED Controller and worry about EMI :-D I forced myself to learn all that in just 4 days so my head hurts a bit. Might be why I'm getting so confused, I might need a break. This crazy attitude did get me my last job, but I did get laid of so...

I might design my own active power rail probe/differential probe if I'm good enough to trust myself

I also am still surprised nobody suggested the DC/DC isolation circuit. It's used in medical equipment apparently where strong isolated is needed for vulnerable patients where apparently even 100uA can hurt them(?). That'd have to be DIY tho.
That test device is interesting, a scope, power supply and logic analyzer all in one? Still too expensive for me at this moment. I also doubt any of those functions are decent for such a compact and relatively cheap device. Although I'm a bit confused how it'd help. Is it because it contains differential inputs already?
Also sadly my current circuit is 24v, although that's only for the MSOFET and switching side, the rest is 3.3v. I do a lot of different things tho so it does vary. Most of my projects are more embedded style, but I do want to eventually do RF and maybe some analogue etc.