Well utility is a drastically oversimplified substitute for the extraordinarily complex processes by which capital is actually distributed, in the sense that it has the role of energy in physics but cannot be defined in a similar precise manner. Moreover capital itself has no agency (it doesn't need to do anything, compared to say electrons) and any model that describes the flow of capital doesn't have the same standing as say Maxwells equations, they aren't even phenomenological. I guess Finance is the closest thing in economics where you can come up with more or less accurate models for the prices etc. But again those are human constructs and don't have anything in common with laws of nature.