Exactly.  The PUD won't connect power to a panel bigger than what your service contract allows for.  It's theoretically possible to put in a bigger panel after the PUD had connected your service, without them cutting the feed.  Had that happened though 1) He'd probably be dead.  2) The PUD certainly would have mentioned it.  So either he was pulling 64A @ 240v from a 100A+ panel or he was pulling 128A @ 120v from a 200A+ panel.  Either way he was well within safe numbers and way below the power you pull when cooking a family dinner.

-TBT