What’s the net difference though? Most of my neighbors with solar I have spoken to (central FL) are at basically a wash between payment for the solar vs power bills pre-solar, although admittedly recent rate hikes are probably changing that mix a bit. Many of them basically made the finance term to the useful life of the panels. One neighbor that tried to sell and had a couple offers contingent on solar removal.

It just feels to me to be very nearly zero sum game financially, with even a bit of adverse risk leaning towards opting for a solar installation considering potential for roof warranty and insurance issues due to some of the less reputable providers/installers out there. Certainly if the reputation of the technology takes a hit, a barrier to selling your home could be a pain point as well.

I’ll say this, I don’t hear any regret, but for me these things are a barrier to adoption unless I was planning on being in the home for a longer (20+ years) term and wasn’t financing the system.

Of course it needs subsidies, it's competing with other forms of energy generation that are either heavily subsidized, freed from the cost of their externalities, or both.