Say we have a service supplying feeders A and B. And say feeder A supplies feeders 1 through 5, and feeder B supplies feeders 6 through 10. Each numbered feeder supplies all the loads associated to a similarly numbered dwelling unit, and nothing else. [If there are house loads, the service also supplies feeder C for them, but I will ignore that.]
In this configuration, clearly 220.84 applies to the service and to feeders A and B. Now let's replace feeder 1 with feeders 1A and 1B, both of which go to dwelling unit 1. What currents have changed? Only the current on feeder 1 has changed, getting split between feeders 1A and 1B. None of the currents on the service conductors, on feeders A and B, or on feeders 2 through 10 have changed.
Therefore there is no technical basis for this splitting of feeder 1 into feeders 1A and 1B to affect the allowable load calculation methods for the service or for feeders A and B. So I conclude that what 220.84(A)(1) should mean is that "Every dwelling unit supplied by the feeder or service has all of its associated loads supplied by the feeder or service."
I'm just arguing on the technical merits, without comment on whether the actual wording of 220.84(A)(1) can be stretched to the above meaning. Although if it can, I am in favor of doing so.
Cheers, Wayne