Not an electrician, but I think NEC resolved this grounding-bonding confusion in 2014 edition, because there was people who was led astray by term “grounding” and thought that if they can pound some rods in to the ground and connect green wire to them - they were protecting the circuit!!!
Bonding jumper has its name because that’s what it is - you can’t trip the breaker without shorting phase conductor to transformers center tap. The reason why it’s done only at main disconnect because it is closest place to transformer and if you connect bonding to neutral anywhere else you creating parallel circuit and people get zapped just by touching fixtures and appliances bodies of which bonded.
And I agree - to have a 240v and sleep good at night run four wires!
I've studied code 50 years now. I've always been confused that NEC Rulemaking Committees never cleared up the confusion of Grounded & grounding.
For those of us in a single phase world, we live in 240 volt power supplies. Some like to eat half a sandwich at a time. Lots of load we use runs on 120 volt power. The power company transformers have a secondary winding center tapped.
If we had no concern there'd be a malfunction there would be no reason to ground this center tap. We want to limit the voltage you might receive as a shock. We ground this conductor. It serves as the return path for electrons to trip a breaker, and electrical shock to earth is limited to half the voltage provided by the transformer. In the language of NEC, the center tap is t
"the grounded conductor"
The uninformed believe this is equivalent to earth ground. They are very wrong.
Earth ground is for a different reason.
Electric shock is current flowing through a person. If any errant electrons want to flow, connecting every electrically conductive object together is BONDING. Through bonding, electricity flows through something other than persons. The term extends to where we connect it to earth, or the grounded conductor.
The language involves a lot of hair splitting, grounded, grounding, bonding are all different.
I explain bonding using the example of a cow barn. In older cow barns cows are chained at the neck while they are milked. Their necks, udders, mouths (drinking bowl) and hind feet (gutter cleaner) are all touching conductors. If there is potential, between any of these conductors, the cow gets a shock. Cow barns are wet. The water contains compounds making it more corrosive & more conductive. There will always be stray voltage.
If we connect the milk pipe, water pipe, stantion, water bowl, gutter cleaner, and floor steel reinforcing together there is no reason current should flow through a cow.
Milk buyers monitor leukocyte levels (white blood cell). Barns with a stray voltage problem are cured with proper bonding. Bonding alone have been shown to drop leukocyte levels from 1,000,000 to 80,000. There are other problems raising leukocyte, shock is only one.