Seems pointless to lock myself into a 30 year payment for a 50k dollar system that requires I still pay my normal electric bill with no benefits whatsoever beyond "A slightly less electric bill that is completely offset by 30 years of payments."

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I'm still paying an electric bill, still reliant on the electric grid for having power. If the power grid in my area fails I'm still completely in the dark.

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I see no reason for me to lock myself into a 30 year contract for a 50k dollar system that theoretically will give me a benefit in 30 years assuming the system still works. As I said, if solar becomes cheaper and more accessible I wouldn't be opposed to installing a system. But right now it is incredibly expensive, and gives me nothing of value out of adding it to my home.