It sounds like you’re literally describing what companies already do. They charge you a fixed rate or sometimes variable rate that isolates you from the volatil

It sounds like you’re literally describing what companies already do. They charge you a fixed rate or sometimes variable rate that isolates you from the volatility of the actual real time pricing market. What is different here? The power companies are essentially self insuring. Which generally is cheaper than buying a third party insurance product, all else equal.