In 30 years I don't think I've ever seen the secondary blow on a transformer except for a fuse on the secondary side. I have no idea why but it seems like its always the primary winding of the transformer that burns out. A short on the secondary side will burn out the primary windings if there is no fuse in the circuit. That being said if you have a bad neutral it can carry the other leg of the 220 & can burn out anything that is hooked up on 120v. I've seen people burn out things like vacuum cleaners & other appliances when the neutral lost its connection to the main putting 220v. to all the receptacles in the house.
The best things in life are free but not everyone is willing to pay the price.