To create a transformer to change the voltage, you want to have the proportion of the number of output windings to the number input windings equal to the proportion of the output voltage to the input voltage.
You can't reduce the current to truly be zero and still have anything flow, which...
1) I'm not sure if this is the best answer, but air is a much better insulator than your body and your hand, so even a convoluted route through you and back out the other half of your finger will have less resistance than a path through only the air.
2) If there is a drain in this pool, and the...