There is no problem and so nothing needs to account for it. A split phase is just a transformer with three windings, and one is connected to the other. We call one side (high voltage) the primary, and the other two secondary, but the transformer doesn't care at all, it can send power either way (there are limits but we are well under the maximum rating of the transformer so we can ignore them). If you only draw 240 volts then the two connected windings act as a single secondary, if you only draw 120 then one of the two secondaries provides power. Any other combination - the transformer doesn't care.