> Plenty of people will understand the payoff and will be able to push themselves over the hump to reach a more optimized state. But there will probably always be lots of people who can't and will buy electricity instead.

A consequence of this is that as people with the capital (and accountants advising them) opt out of the grid, the burden of grid maintenance will fall increasingly on people who can't get access to the capital (or are short-term in their housing).

So poor people will end up paying far more for their electricity than affluent people.