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Typically delta is used when the load is a balanced 3 phase load. Think of it as 3, 600v loads just in one unit ex. A motor and also a transformer. Most commonly a load is used in delta because each leg needs to be balanced.
A wye connection is when loads are not balanced. Your panel is in wye. Each phase isn't exactly balanced. We try to get it as close as possible. A neutral is the safe path back to the transformer.
When you talk about the neutral carrying the unbalanced load you talking about a 3 wire Edison circuit ex. A stove. One circuit may draw more because of the 120v clock and lights, so the difference is carried on the neutral whether to or from.
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