I keep bringing it up because I'm failing to understand how a 3 line mains + earth ground system poses no danger to a utility guy while a 3 line + earth ground system in a detached poses a danger to a home owner. Unless I just got my 'lineman' and 'electric company guy' terminology mixed up. Is it the alternate electric paths in a household that don't exist in the grid?
A lineman is the electric company guy that connects your house to the POCO etc.
If you wear a linemans boots, gloves, hardhat and safety glasses in your house you will be as protected as he is. Qualified electrical workers are in a different exposure class than you in your house.
They are trained, they expect everything they touch to be energized, they wear protective personal equipment (PPE).
In your house and yard you may be wet, barefoot, etc. There may be faulty appliances or wiring, unbalanced loads it goes on and on. The lineman knows all 3 of those wires coming into your house represent some level of danger. He avoids bodily contact etc.
BTW, the lineman doesn't care if you have 3 or 4 wires to your subpanel. It's on the other side of his electric meter. It's covered by a different set of rules and codes. He may not even understand the ramifications. Rest assured, when he connects those 3 wires to your house, he will be wearing his PPE.