US split phase monitoring requirements

Quite right. That’s why I qualified it by saying

The pole mounted fuse in the fuse door will pop long before that happens.
Even if your transformer were rated at 37.5kVA
(as it might be for a large house with 320 or 400 Amp service)
The maximum continuously available current is 156.25 Amps.
Given a 25kVA pot = 104.2 Amps continuously available current and
a 15 kVA pot = 62.5 Amps continuously available current,
it’d be mighty hard to trip a 200 Amp main breaker. Now a 100 amp breaker, that would be “doable.”
But given that most if not all US houses built after 1970 have 200 Amp service
(a term which is a source of confusion in and of itself) they’re likely to be fed with a 25kVA pot.
Easily verified by looking at the number on the transformer that feeds the service in question.