I think, I've figured it out a bit: my understanding of back-e.m.f was wrong. The standard interpretation of back-emf is that it's a voltage.. similar to the stuff below..
http://electricalandelectronics.org/2009/09/04/back-or-counter-e-m-f/
"When the armature of a d.c. motor rotates under the influence of the driving torque, the armature conductors move through the magnetic field and hence e.m.f. is induced in them as in a generator The induced e.m.f. acts in opposite direction to the applied voltage V(Lenz’s law) and in known as back or counter e.m.f. Eb. The back e.m.f. Eb (= P Φ ZN/60 A) is always less than the applied voltage V, although this difference is small when the motor is running under normal conditions."
The wiki however says this:
http://en.wikipedia.org/wiki/Electromotive_force
"A sixth group applies the term to electromagnetic induction. These authors define e.m.f. as the spatial line integral of the electric-field strength taken over a complete loop. To them the term 'counter e.m.f.' means something."
"It is common in some fields, such as circuit theory, to refer to the voltage created by the emf as the emf. Some authors do not distinguish between the emf and the voltage it creates. Some use emf to refer to the open-circuit voltage and voltage to the potential difference when current is drawn."
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If you treat back e.m.f as a voltage, then you'll go wrong because you'll think that the pan is at X-volts and there is a return path through the ground. On the other hand, if you treat back e.m.f as a kind of force encouraging free electrons already in the plate to run in circles creating heat (the line integral of a field bit) then you get the right interpretation.. the pan has no additional charge buildup on it.. it's essentially a neutral body it's just that the emf is causing its electrons to move in a narrow region (skin effect) generating heat..
Only if the electric field direction somehow changes and takes a path through the lady, only then, will she fry.. but since the electric field here is closely linked to permiability and the path of the magnetic flux.. no chance of that happening.. unless the lady's hand/spoon is more permiable and even then the induced current will take the direction of the mag field.
So i think this would be correct..