To answer your question, and my best guess:
1). An imbalanced load causes the neutral to carry excess current. If the neutral is not sized to handle this, it can overheat, leading to potential failure, electrical fires, or damage to equipment.
2.) The unbalanced load can cause significant voltage drops or fluctuations on the overloaded phase, affecting the performance of connected devices, potentially causing equipment malfunctions or premature wear.
3.) When one leg of a single-phase system is carrying significantly more current than the other, it increases losses due to resistance, lowering the overall system efficiency.
4). If the imbalance is significant, it can strain the transformer supplying the system. This can lead to overheating or damage to the transformer, reducing its lifespan or causing failure.
5). The imbalance might also affect the power factor, increasing demand charges or leading to penalties in commercial settings.
With that being said: someone correct me if I'm wrong, but it sounds like you're worried about overloading the neutral, voltage fluctuations, etc.
Even on a 200 amp service, the imbalance is only about 15%. I wouldn't say it's going to be catastrophic, but yes, we typically try to distribute the loads more evenly.