For the moment, forget about the term 'neutral'.
To deliver power to a load, you need wires connected to a minimum of _two_ transformer terminals from a single transformer or set of connected transformer. The alternating current flows back and forth between these terminals, over the wires, to the load.
In conventional single phase 120/240V service, it turns out that you have a transformer with three terminals. The voltage between the two end terminals and the 'center tap' is 120V; the voltage between the two end terminals is 240V. Pick any two terminals, run your wires to a load, and you have a closed circuit with current passing through the load.
You can add more transformer coils, more terminals, and run more than the minimum of two conductors; thus you could run three conductors to a 120/240V load, or build a three phase system. But the minimum remains two conductors between any of the two terminals.
'Neutral' is simply a name that gets applied to one of these terminals. When selecting your pair of terminals to supply the load, it is not necessary.
-Jon