I don't think this is strictly true where I live, depending on what you mean by "more or less". I believe the utility has to have tariffs approved by the PSC, they can't just set them arbitrarily.
I guess so, but given that this "harm" is caused by a competitor (the utility) reducing their rates to make them more attractive, I'm a lot more inclined to say "yeah! Free market at work!" than I am to complain. It's also instructive to remember that this imagined improvement in utility rates doesn't take a cent out of my pocket – my cost for the PowerWall installation is exactly the same before, and after, the rate change.
It's true I am assuming here that the PowerWall is being used for storage of self-generated PV electricity, not arbitrage between two different utility rates. Yes, arbitrage is vulnerable to rate changes. This is true regardless of the commodity in question. So don't do that.