Re: unbalanced three phase
Lets look at an extreme case. Consider a 100 amp, 120/208 volt panel. Connect single phase loads from phase A to neutral until you get a total load resistance of 1.2 ohms. The current in phase A will be 100 amps (from the formula 120V / 1.2 ohms). Now connect the same amount of load from phase B to neutral, and the same amount from phase C to neutral. You have a balanced system, with each phase carrying 100 amps.
Now go disconnect all loads from phase B and from phase C, and connect them all to phase A. When you connect these loads, you are placing the loads in parallel. So the original 1.2 ohms of phase A loads are now in parallel with 1.2 ohms from phase B and another 1.2 ohms from phase C. This will cause the total resistance to be deduced to one third of its original value, or 0.4 ohms. When you impose 120 volts across a 0.4 ohm resistor, the total current is 300 amps.
NOTE: You don?t have to tell this whole story to the non-electrical people. Just tell them the total current in phase A goes up to 300. But I wanted to make sure you knew how I arrived at that number.
In this situation, do you think that the phase A conductor will be able to handle a 300 amp load? Probably not. Do we size conductors at three times the expected load, just in case someone puts all the load on one phase? We do not.
In this extreme example, the phase A conductor will overheat. If you followed the link that Bob provided, you can read about wires in a motor overheating. The reason is the same in both cases. You get overheating because one phase will have higher current than the others, and the flowing of current is what causes the wire to heat up.