in many flats even recently built you don't get three-phase power, just single phase, but building divides single three-phase supply into three groups of single phase circuits like you say (do you really need 20kW in residential flat? one that doesn't use EV charger, built in 90s-10s?) i guess it depends on country also. separate houses tend to get three phase connection where i live

floating neutral will also be a problem in american-type two-phase installation, might be even worse (more frequent) on account of large number of lightly maintained transformers used (why on gods green earth there's few-kV medium voltage line going down every street, americans make it make sense)