I still can't see electrons flowing one direction at point A (let's say, straight down to Point B) while at the same time, electons are flowing the other direction at Point B (travelling towards Point A).
That's just it; they aren't. The electrons are moving from the top of the secondary, past point A and through the upper load, through the lower load, and past point B into the bottom of the secondary.
If a wire (the neutral) was connected between the center of the secondary and the center point between the loads, no current would flow on the neutral wire as long as the loads remained equal.
Each half of that clock-wise current in the large loop could just as easily be described as two small current loops, the upper half and the lower half. The neutral currents would cancel each other.
Remember that this current reverses twice per cycle, but for this discussion, we could be using batteries and DC. If the two small-loop currents become unequal, the neutral would carry the difference.