This perspective is always so myopic to me. I say this as someone who doesn't make much money who's in the middle of a massive solar install (DIY). I made some simulations and a spreadsheet to work out all of the scenarios and I figured out that with a loan I can come out at monthly financing costs nearly exactly my electrical bill every month. That's right, I can have a 12 kWh battery backed 18 kW whole-home installation at no additional monthly cost.

The way that these discussions get contorted online will never make sense to me. The same people who make comments about ROI and it not making financial sense also have new car-loans on vehicles that depreciate catastrophically and are worth nearly nothing in 10 years. After 10 years my solar install will have been paid off for three years, I will get free electricity, and I will have the following benefits along the way:

Additional home value/equity

Backup power in case of grid problems or catastrophe.

Free fuel for my used battery electric vehicle. (compared to ~$200 a month in gas)

As close to zero carbon footprint as you can have in our contemporary world

And that's all assuming electricity prices stay the same. That's not even talking about how hydrocarbons are a very finite resource. Saying there's no "ROI" is looking at the situation like the only variable is your monthly expenses. It's the best decision anyone with a home who has the climate can possibly make. If you value your independence and personal security you'd be crazy to not do it. What would you pay, if you have the kind of money most people on these forums do, to ensure your home operates independent of external inputs? Imagine a new great depression? Or other such event?