The main place you would find it is in an off-grid building using a 120V output inverter or generator and wiring the building through an inexpensive 120/240 panel with more than half of the slots occupied. Agreed they are more likely to just use separate neutrals than a common neutral.
There are also folks who switch between a 120/240 primary system as originally wired to a 120-only backup system using a transfer switch and feeding both L1 and L2 in parallel.
Those who end up doing it right have 200% neutrals (or 50% ungrounded wires, depending on how you want to look at it ).
Many people would not call that a real life though.
However, is this happening in real life or are you citing situation that could happen? I'm referring to a 3w 120/120v "home run" with a 200% neutral unless its a custom engineered produce and not residential.
I just want to separate theory, that is something that could happen, as opposed to real life situations.
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