Lightning: How would I make a monthly payment to a utility company, etc I see a number of deep theory questions and highly detailed answers for questions about fraud, opening channels, etc. What I cannot find is a simple explanation of how one would go about doing something as mundane as making a monthly payment. 

The concept of opening a channel with a balance seems to imply that any amount I'd want to send will have to be allocated up front. Is there no way to add funds periodically, as one would normally do for paying bills? The existing answer here is hypothetical and seems lacking. It seems there are a some still quite shallow proposals, if there's any validity to the link in the comment on the question...

It seems that the expectation is that there will be an intermediary that I keep a large amount of funds with, and I would then use that central channel as a hub... true?

Finally, bonus kudos if you can explain what's up with the common 'Alice and Bob both add 1/2 BTC to a channel' example. I can't fathom what the real world transaction model that is supposed to represent. I can't quite grasp when I would ever use a two sided account; my transactions almost always go one direction. I realize now that the current (or recent) Lightning implementation only funds from one source, but that example is so common that it wasn't until reading the answer here that I realized this.

I'm looking for an answer that explains how I'd go about sending a payment to a hypothetical (mythical?) cutting edge utility company. I expect there are at least two answers - one where the utility company and I create a 'direct' channel, and another where I 'reuse' ('pay through') a channel I happen to have with a central hub. Any answer must assume I'm a normal person who can't pay more than one month at a time.
when reading your question - for the third time now :-) - I always come to the conclusion, that payment channels (with locktime, or nowadays with CLTV/CSV) would be the solution. They are used for quite some time, and they are uni-directional. The typical publisher model. You order a newspaper, send money, and get the newspaper for the next year. But two things against it: one would also have to do a deposit, and you are asking especially for Lightning...


  what's up with the common 'Alice and Bob both add 1/2 BTC to a
  channel' example?


the real world model might not be the one that you expect for a retail user, but gives a clue: Andreas describes in his book "Mastering Bitcoin" a scenario, where two exchanges manage funds, one in India, the other in USA. Both have users that transact somehow buying funds in different countries. So they want to transfer certain amounts cross border, and one exchange is Alice, the other Bob. Another business example I have is in my own environment: I am having a partner in Africa, and I am based in Europe. There are many people coming from Africa to buy goods in Europe, sell it in Africa, convert the money back to Euros, and restart the business travel. With more and more exchanges in Africa I am hoping that we can get rid of the FIAT exchanges (ten years down the road...) It is too expensive, even latest bitcoin fees in December were cheaper. 
Anyhow, at the same time there are many people from Africa working in Europe, sending money "home". So these funds cross each other: business from Africa to Europe, and money for the families from Europe to Africa (and the FIAT world earns fees twice). The payment channel is supporting this in an optimal way. 


  I'm looking for an answer that explains how I'd go about sending a
  payment to a hypothetical (mythical?) cutting edge utility company:


Well, as this is all too new, maybe it still needs some time. But in bitcointalk there are some "utility" discussions:

opening one side channel in Lightning: 

a long discussion of use cases (car dealer and salary):

and some more (grocery and landlord).


  It seems that the expectation is that there will be an intermediary
  that I keep a large amount of funds with, and I would then use that
  central channel as a hub... true?


At the current point in time, from what I have read and understood (with my little bit of imagination), yes.