>For example the operating handle area of a circuit breaker is allowed to be over 100 deg F, and is typically the hottest part of a panel
That is warm, not hot.
>Imbalances are currents which have not canceled
Correct.
>that they come from harmonics is immaterial.
Wrong. If they were vanilla 60 Hz sine waves, they would cancel.
>This is a 3 phase system circuits 7 & 9 would never cancel,[/b]
You misread. They are equal.
>the neutral current would be expected to about equal to the phases.
No, it should be exactly equal.
But it is a lot more.
That means that the normal cancelation of half per phase did not occur.
Look at the other circuits. They have the same problem.