The physics is foggy. I'm not understanding all I know

- yet.
cf
I'm with you CF, I haven't ever seen an exact explination either, so I think its as foggy to me as you. It would be nice to see a diagram with some current flows that explain this.
Or maybe we can figure it out. It might help to look at this backwards. Ignore the neutral connection for now - assume it is unconnected. And assume there is a slight unbalance on the input voltages (maybe one phase is only 200 volts, and the other 2 are 208 volts.)
With a balanced input, the sum of the voltages around the Delta equal zero. No load - no current flow.
Now with our unbalanced input, the voltage around the delta should be some non-zero voltage. So we would expect some circulating current is needed to cause a voltage drop to make the sum of the voltages around the delta zero.
So, to me, there should always be circulating currents in a wye to delta xformer with an unbalanced input.
So I think the real question is how unhooking the neutral on the input prevents the circulating currents?
Somehow, I think the answer has to do with the fact that with an unconnected neutral, all the line currents have to add up to zero.
Does that get us halfway to an answer??
Steve