The major discussion has been that the voltages are out of phase and therefore combine to a larger number. Now you are saying that the currents are out of phase and are combining to a smaller number.
I haven't said anything is "out of phase." This is just basic math. I don't see what's confusing about this. If Van=120<0 and Vbn=120<180 and Ia=10<0 and Ib=10<180, then:
Vab=Van-Vbn = 120<0 - 120<180 = 240<0
In=Ia+Ib = 10<0 + 10<180 = 0
I would like you to show the current and voltages for situation #1 (2 loads) including the source voltages.
OK, if Van=120<0 and Vbn=120<180, then Vab= Van-Vbn = 120<0 - 120<180 = 240<0. Likewise, Vba= Vbn-Van = 120<180 -120<0 = 240<180.
In your first example you had 1A load from A-N, a 30A load from A-B and a 10A load from B-N. Assuming these are all resistive loads, the first load is 120 ohms, the second load is 8 ohms, and the third load is 12 ohms. I'll call the load currents IL1, IL2, and IL3 respectively.
The first load is 120 ohms connected from A to N, so the load current is IL1=Van/120 ohms = 120<0 volts/120 ohms = 1<0 amps.
The second load is 8 ohms connected from A to N, so the load current is IL2=Vab/8 ohms = 240<0 volts/8 ohms = 30<0 amps.
The third load is 12 ohms connect from B-N, so the load current is IL3=Vbn/12 ohms = 120<180 volts/12 ohms = 10<180 amps.
Using KCL, Ia=IL1+IL2 = 1<0 + 30<0 = 31<0 amps. Ib=IL3-IL2 = 10<180 - 30<0 = 40<180 amps. In=IL1+IL2 = 1<0 + 10<180 = 9<180 amps. The load voltages in this case are the same as the Line-Neutral and Line-Line voltages, so VL1=120<0, VL2=240<0 and VL3=120<180.
Using KVL to check the voltages around the closed loop formed by the 3 resistive loads, we have VL1-VL3-VL2=0 = 120<0 - 120<180 - 240<0 = 0.
Now consider removing the neutral connection. In will will course be zero amps. The load resistors 1 and 3 will now be connected in series across A and B. Using the same current conventions from the first example, IL1 and IL3 will have the same magnitude but will have current angles that are 180 apart. The series connected load resistance will be 132 ohms, so IL1=Vab/132 ohms = 240<0 / 132 ohms = 1.818<0 Amps. IL3=Vba/132 ohms = 240<180 / 132 ohms = 1.818<180 Amps.
The load current (or voltage) for load two has not changed, it is still 240<0 / 8 ohms = 30<0 amps. The load voltages are VL1=1.818<0 * 120 ohms = 218.2<0 volts, VL2=30<0 * 8 ohms = 240<0 volts, and VL3=1.818<180 * 12 ohms = 21.8<180 volts.
The line current are Ia=IL1+IL2= 1.818<0 + 30<0 = 31.818<0 Amps, and Ib=IL3-IL2= 1.818<180 - 30<0 = 31.818<180
Using KVL to check the voltages around the closed loop formed by the 3 resistive loads, we have VL1-VL3-VL2=0 = 218.2<0 - 21.8<180 - 240<0 = 0.
Did any of the 'math' need to be modified when the source neutral point became common to multiple loads?
No, none of the math changes. In both cases KCL is used to find the Line current for A and B (Ia=IL1+IL2 & Ib=IL3-IL2) and KVL is used to confirm the loop voltages sum to zero. (VL1-VL3-VL2=0).