https://www.quora.com/Why-do-we-need-neutral-wire
And its not stupid if you know what you are doing.
There seem to be a lot of misunderstandings about AC transfer. I had an argument about this in another topic, I don't want to argue again.
EDIT:
https://www.quora.com/Is-it-ok-to-use-earth-or-ground-as-a-neutral-in-AC
However the ground wire is used in a lot of cases, and there is no way for it not to work, because when the neutral wire breaks, which happens a lot here, the grounding must take all the current. At the end the current flows through the lowest resistance, if the ground resistance is small or as you would say the potential is enough, then current will flow.