One more thing I never saw mentioned here is:
Well, you might live in a perfect world. However, take into account that the power for a neighborhood came from a three-phased power line, and goes thru a three-phase transformer that reduces the 10KV-something used for transport to the 380V triphasic delivered to final users (consumers).
Now, for home users, they all get monophasic current, so the three phases are distributed, every phase to one third of the consumers. In the ideal situation, when all consumers consumes the same, voltage on all lines are identical.
Let's say now you have a short on one of the lines (a resistence high enough to keep the current flowing and the fuses not blowing). For easier understanding, let's say the resistance is close to 0. This means most of the voltage drop occurs in the transformer, and the 0 of the transformer (the common ground, let's call it) moves the that phase's output. Suddenly, you have two phases that have voltage equal to some 380 volts instead of the 220V rated).
What if the fuses blows on one line? You get the 380V of power divided equally on two phases, so you get 170V instead of 220V. Not a good thing
Simple justification for the result: the transformer generates three lines of power. In ideal conditions, the "null" line has no current flowing in it (imagine every phase as a centrifugal force on a circle, equal in size and pulling in three spots at angles of 120 degrees, just like in Mercedes sign. Now, every line's influence in moving the center is in inverse proportion with the resistance on the line. Cut the line, and the null moves between the other forces. Zero it, and the null moves on the third point