So the situation you posted was truly hypothetical, and not some predicament that you are already stuck in?

Moral of the story is if you only have one shut-off, and you do sub-meter, then the landlord better be the one paying directly to the utility, and billing tenants by the readings on the sub-meters.

I just wanted to offer some moral support, and let you know I'm here if you need my help."

Mariana, I have been in this predicament before and have learned a few things.

They are not moral enforcements.

We have been in that predicament before.

Ben Leybovich - Ben I have read a few things from @J Scott including his podcast (I have been listening to those to and from work, which does not do much for my at-work moral!)

I find I have moral issue with paying an industry to solve a problem that they created.

If your parents were gifting you the funds then you are on better moral grounds with the lender.

If her POA didn't have any concern I'd say you did your moral and civic duty to raise the question, but you are not her caretaker as a landlord.If she still has her witts about her, you can be empathtic, but give her her dignity and stay out of it.