I don't understand your concerns. Many utilities already perform credit checks on new accounts, and customers without good credit may be required to pre-pay or post a deposit rather than post-pay (which is effectively a loan). They also already have programs to encourage customers to shift load to off-peak hours through rate differentials and rebates. And they aren't legally allowed to disconnect customers unless the bill is months overdue; they have zero financial incentive to ever disconnect a customer who pays on time. None of this requires AI, or would even benefit much from it.