@Baluncore has local knowledge which trumps general knowledge.
But lest American viewers try to interpret that, the split phase used in America is done on the customer side of the distribution transformer. Overhead on the poles you will never see a neutral wire.
(I know, never say never.) Overhead you will see only single-phase circuit(s) [two conductors each] or three-phase circuit(s) [three conductors each].
And in the American system, there is one distribution transformer for each customer [perhaps 2-3 customers], not one for a whole neighborhood or a whole street.
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Reading my posts and
@Baluncore 's posts you can also see different strategies in large scale distribution topology: U, ring, or star geometries. Mesh topologies are also used some places.
Once again, this demonstrates how confusing it is to discuss wiring questions on PF where we have global contributors. Practices vary widely, and each poster replies according to his local experience.
Yet another PF Insights article would only serve to confuse things more because it could never include all the schemes used in the home countries of all PF members.
About the only thing we have in common around the world is that the electron is never positive.
(I know, never say never.)