smart meters are paid by the grid operator and you have to pay maximum 50€ a year for a smartmeter. I honestly dont know where you get your numbers. a friend with a big house and 3 children switched to air water heatpump with floor heating etc and it was 18k€ and half of that paif by the state and the smart meter was mostly free( he pais 25€ a year for it).

and this is a hugeeee house. No solar but he is working on it.

could you link some proof of this smartmeters I have to pay? Or some calculations from firms it whatever that proof your point.