No, it doesn't undermine 'the message'. For a start, it's not about any message, it's about applying collective financial (and maybe some social) pressure to companies to drop prices. Nobody organising the campaign needs to 'stand up and be counted' by being named, as had been said that could fuck this up even before it gets going with newspaper exposes, legal action, etc. I am willing to bet that they'll be doing the campaign of non-payment themselves, that's all that is needed. I also think your 'criticism' on this front is just the flip side of what people say when people are named in that it's, "Oh look at their egos, it's all about them" or similar.
People do have an idea of how many people are talking part, there's a goal of 1 million, if that's not reached it doesn't happen. And when you sign up you can be put in touch with people in your postcode to do this together. So it's partly going to result in building local contacts of networks of mutual aid and support for this project, as well as also finding people who might be on the same page as you materially and politically for the longer term. That's important.
You're mistaken if you think energy companies are likely to take 1 million people through the courts, especially as if it got to that point they'd be protests at the courts, demos, etc. It would be one of the biggest social movements for decades and I am willing to bet if it got to that it would catalyze loads of other stuff in a similar way and might just spiral into something pretty important.
All the credit rating and mortgage stuff you mention, meh it's not worthy of any time beyond saying political action comes with some risk often. People know this and can decide as adults if they want to take that, and the risk you mention is very low level and I'd expect not to really be a problem for many/any people.
The pressure on the government thing is again some mealy mouthed nit-picking. If this was targeted at the government you'd be saying 'Oh but why not the companies, they're the ones you pay money to?' The reality is it's much harder to 'target the government' whereas there's a clear easily identifiable line between us and the energy companies: they send us demands for cash and we have to send them that cash. And also of course this is targeting both really, political pressure will mount on the government through this, they might well be forced to act, and even if they act on the side of the companies it shows people what side they stand on.
Your points might be well-meaning but they're not really political (or even practical) criticisms, they're just radio talk show cynical middle aged man griping. While of course not perfect, it's a pretty good go at something that I think has potential in what are fucking hard times (with worse coming) for a load of people. But all ears if you have better plans for other projects.
