I agree with your comments regarding the shortcomings of the wye delta bank on distribution circuits, wcaseyharman.
I can add to that.
I spent about 15 years in wye/delta land, helping customers cope with the issues.
The national power utility loved star delta.
Much line maintenance was done on Sunday on dead lines.
Typically, a line would be de-energized locally by pulling the fused cut-outs.
This was a refrigerator killer.
When only one primary phase is energized the backfeed is at about 50% of nominal voltage.
On a typical outage lasting several hours, almost all of the domestic refrigerators and freezers would be trying to start.
Two phases of the circuit would be hit with 50% voltage and would stall instead of starting.
Now the linemen would be hanging another cut-out fuse on the hot stick and replacing it.
This is not a fast operation.
Finally the second phase would be energized, but the entire circuit would be backfed by any wye delta banks.
Typically the transformers backfeeding would be overloaded and the voltage would be low.
Now the refrigeration motors have been sitting stalled and the voltage steps up, but is several percent low.
The motors can't start.
The thermal protection operates, the head pressure dissipates and when the thermal Klixon cools, the motor starts and runs normally.
BUT
It was common for one or two refrigerators to fail.
Now for the local colour.
As I mentioned, the backfeeding transformer would be overloaded.
Sooner or later, but mostly sooner, the primary fuse would blow and the bank would revert to open delta.
Problem solved until the next election.
The next election? WTF?
Well if the government changed, all of the top people at the National Utility would be replaced with political favourites.
The new appointees would notice one fuse hanging down at each transformer bank all over the country and issue directions for them to be reinstalled.
For several months there would be a rash of refrigerator burn-outs until the field crews were able to train their new bosses.
Of course this begs the question:
"Why didn't the transformers fail on overload on open delta?"
More local colour.
It was a time honoured tradition in the country for under the counter kickbacks to any electrician or contractor buying a transformer.
Virtually all of the three phase banks were sized for at least 200% of the load.
Anecdote alert.
I left that country, but still visited from time to time.
Whenever I was back in the country, the small independent island utility that I had done much consulting for would fly me out to the island, all expenses covered and have me "walk" the system.
One one walk-around I spotted a new wye/delta bank.
I asked the manager about it.
"That belongs to the National Telephone Company.
They demanded a wye/delta and we are not big enough to buck the National Government."
"Do we want to start burning out refrigerators again?"
"Lord NO."
"Let me see what I can do."
For those not familiar with line hardware, A "Cut-out fuse holder" has a toggle that is held in position by the fuse link.
When the fuse blows, the toggle collapses and the fuse holder swings down and hangs from the cut-out.
I checked the customer's load and determined that an open delta bank would carry the load.
I had the crew take a fuse holder, without a fuse link, and tack weld then toggle in position.
When the dummy was installed, the bank looked like a full delta but was actually an open delta.
I mentioned oversized transformers;
The customer's load, single phase and three phase combined was 17 KVA.
The transformer bank capacity was 150 KVA.
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Ohm's law
Not just a good idea;
It's the LAW!