ok, more fun...

Sit #1 has me admittedly rattled, i can't recall a situation, or cough up an example i've heard. I've drawn this out now a # of times...

Sit# 2 & 3 are more the norm,
i can see the OCPD's being responsive to overloading, yet having a problem with ground faulting due to a poor return.

I imagine that these two scenario's depend on the R value of the return path, 200 feet, the soil conditions, the Z factor of the trans... and that the GES would constitute the neutral in absence of one.