Totally agree. It's a complete minefield which is bound to result in total confusion in the mind of the average householder. I think uptake will be very limited as most people will find it all too complicated. There will probably be opportunities for unscrupulous companies to make a quick buck by inflating prices and sending slick salesmen to tell the poor customer that it's actually free because they will be paying it back over a lengthy period through cheaper energy bills.
Yes, the government has proved itself to be pretty hopeless so far with energy policy. At least the original FiT scheme set up by Labour was understandable and workable. All they needed to do was reduce the FiT in line with falling component costs but they screwed it up by creating a bubble which burst and then panicked and ended up looking really stupid in court.