I don't think you follow what I'm saying. Those 25s cannot serve 1200A, any way you want to look at it. Consider buying a 500hp car, but salesman tells you if you floor it, it will blow up..... Is it really 500hp?
You buy a 500hp sports car, and use it on a small island where if you floor it you go into the water. Is it really a 500hp sports car?
You are exactly correct, the transformers cannot supply 1200A. They have a continuous rating of 208A, and probably in short term overload the utility will allow them to supply 400-600A.
Very likely the 1200A was based on NEC load calculation rules and someone saying 'I'd like a bit of headroom', and applies only to the service equipment. The customer paid for that NEC sized hardware, and that hardware can handle 1200A. The customer got 1200A capable service equipment (maybe...remember the 80% continuous rating of most equipment). If you connect a 1200A load bank the service equipment will be just fine.
The utility probably estimated the power consumption by their own rules, and said that a 3x25kVA bank will handle it. If they get it wrong (because the customer has power quality issues or the transformers overload excessively and die) then the utility company will have to replace the transformers. If you connect a 1200A load bank to the service equipment, expect the utility equipment to fail. The customer almost certainly did not pay for the utility hardware.
Now if the customer has a contract with the utility company saying that they get 208/120V three phase power at 1200A, and the customer paid for the utility equipment, then I agree: the customer didn't get what they paid for. But dollars to donuts that this is not the agreement between customer and utility, and there is a high likelihood that the normal operation of the building will be properly served by the utility provided equipment.