In North America we have 120 and 240 single phase in homes.
Within that you get 2, 3 and 4 wire wiring methods. 2 wire is almost obsolete.
3 wire 120 and 4 wire 240 always have a ground and neutral both. 4 wire 220 is just so you run 120 v on the same circuit.
An easy way I've explained it to people is, while using a circuit, the neutral voltage floats around depending on a bunch of things. If you cheat and use your ground conductor as the neutral, its voltage will now float, as will the voltage of anything metal grounded on the same circuit.
So you've taken away the escape route for stray current and electrified everything.
Been in lots of barns with this problem. Neighbour broke his arm climbing the hay conveyor. He touched the metal siding and the 40 volts in the conveyor frame went through him to ground. He jerked and fell from 20 ft.
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