In practical terms I don't even see how it would make sense. The median mortgage is $1100 per month. Say the average monthly energy bill is $200 on top of that

In practical terms I don't even see how it would make sense. The median mortgage is $1100 per month. Say the average monthly energy bill is $200 on top of that, and interest is 5%. Instead of paying $200 to the utility company, I pay $200 + interest to the bank, and the bank just keeps the interest?