INDIANAPOLIS — Barbara Dinwiddie is an 87-year-old widow, pinching pennies to get by on Social Security and a small pension.Sometimes, the longtime Indianapolis resident admits, she has trouble keeping up with her bills.So in December, Dinwiddie called her phone company to see whether there was any way to trim her bill.“I had a cellphone I didn’t use that much,” she said, “and I thought I might get rid of it because it was costing me more than my home phone.”The man she spoke to at the …