So the 3Phase here is considered commercial, thus why it has limited availability. It's only for when you have very big loads. The apartment building example comes up because they tend to be co-located in commercial neighborhoods, the tenants in side notice nothing, as they just see 120V plugs, they don't mess with anything that is 208.
While the cost to get connected to 3Phase here can be all over the map, the cost once connected is very real and very high. You are now a commercial customer, you pay for electricity at a much higher rate. Also just the wiring gets more expensive, the meters, the panels, it gets pricey as now you are using commercial stuff.
If you are an industrial facility with lots of large motors/machines, 3Phase makes more sense. The 277/480 can be nice just for things like running lights at 277V. In a residential application, not so much. Power is still Power no matter how you do it. You still have large powerful items either way.
The following is an example of something that straddles both worlds, the same item can be connected to 3x 240V circuits, or to all 3 legs of a 208V circuit. While not common, these are becoming more common as there is a shift to tankless. Note the 2 biggest units 29 and 36kW. These are the min size you would need for a small house in the northern half of the country. 1PH or 3PH you still need a lot of power and a lot of amps. But with the 3Phase unit you loose power because of the lower voltage. 3PH may sound good, but it doesn't work to any benefit.
WH SpecNothing is going to change the wire size situation. And it's just not a real concern. 208,230,240,277V you are dealing with similar amps, thus similar wire sizes. For the Same Power in the US, the EU folks pull slightly more amps than the US, if someone is on a 208V setup, then they have more amp draw, or as shown, just loss of power. If US houses suddenly got 277/480, you pull a bit less amps than today on the 277V side of things.
Looking at various places around the world, it looks like most who do 3 phase distribution still just run a single phase to each house, so the end result for homes is no different than the US. It does look the issues of balancing loads though becomes more of a problem with those systems. It's not much of an issue here, since it's single phase, and big loads are 240. The small amount of loading from the 120V side naturally works out as the circuits in the home alternate which side they are on.