See 1:30 in the following video:
https://www.youtube.com/watch?v=tNVoJbhH764
When you have a single phase transformer, the fault currents will align winding-to-winding, with proportionality to one another via the ratio of transformer turns (voltage ratio). Consider a 100A breaker on the primary. An overcurrent of 300A on the secondary of a 240V to 120V single phase transformer, will transform directly into a 150A overcurrent on the primary. And a 100A breaker on the primary will catch this 150A, and thus protect the 200A circuit on the secondary by proxy.
This same concept is also extended for DELTA-TO-DELTA transformers, where fault current also lines up winding-to-winding-to-winding. In otherwords, A-phase faults on the secondary do not get distributed onto the B-phase and C-phase of the primary, thus going undetected. A-phase faults on the secondary pass directly to the A-phase of the primary, on a DELTA-DELTA transformer. In DELTA-DELTA transformers, all windings of either half of the transformer are in series with one another. Current from one winding cannot divide onto the remaining two windings.
When you have a WYE system, faults can add up, and be distributed onto two different phases. Causing it to go undetected by the primary OCPD. So we're talking the mixed topology WYE-DELTA / DELTA/WYE, or perhaps WYE-WYE, where you would find this.