Some more clarification here. Delta 3 phase has no neutral. To get 120 out of 240 3 phase delta, the center of one winding in the transformer is tapped to neutral which is grounded at the utility pole and service entrance. 120 is then derived from either end of the the tapped leg giving the user 2 legs of 120 on the 3 phase delta source. The 3rd leg is called the wild leg and it's node is 360 volts to ground and cannot be used to get a 120 volt output. But all three legs are 240 to each other.
A "Y" connection, spelled Wye, has a center neutral node and 3 legs with 1 end each joined to the neutral. Any leg of the wye to neutral will produce 110, and any leg to leg will produce 220.
Normal utility delta is always 220 or 440, and normal utility wye is always 208. The delta can give 120, but only on 2 legs, the wye is 110. Because of this most motors are rated at 230 and will run on either 208 or 240. Since machine shops have mostly motors they prefer delta because the motors are more powerful, and the wiring will tolerate more voltage drop. Wye is popular in offices where the 3 legs can be reduced to 110 for lighting.
In the campground 50 amp 220 situation, the neutral will indeed carry zero current if both legs of A and B comming in are exactly loaded the same. The phases are 180 out because a meter to each other is twice the meter from leg to ground and neutral. Since this is AC, when the return of the 110 on phase "A" is moving one way through the common neutral, the return of the 110 on phase "B" is moving the other way on the same neutral and cancelling it... for exactly same loads on A and B only. Again, that is why the neutral is the same wire gage size as either hot lead. The bigest load the neutral will carry is full load on 1 leg and zero on the other. I am not an electrical engineer, but this has been covered intensely on the bus conversion web sites, and I am only repeating what some experts said. After I thought about it long enough it makes sense to me.
Excellent response from Texas diesel on the generator operation too. It seems to me that the gen manufacturers go all out to make it as cheap as possible. They assume the 220 use of the gen will always be balanced and don't provide for proper voltage regulation when it is not.
Also, FYI 220 VAC is not legal in the coach or camper per RIVA, so any one making a permanant 220 installation that would be subject to an inspection will have trouble. Where 50 amp is brought into a coach, the 2 legs are never brought to the same appliance to make 220. They are always put with neutral to make everything 110. I think in some states a person making a coach into a motorhome is subject to inspection in order to convert the commercial title to motorhome and get all of the motorhome status privileges.
Doug Rees