In a world where there would be no incentives (which eventually is the future), it is far more cost effective on a per-Watt rate to install large scale utility-scale "anything" than small systems on each individual house requiring a separate loan, permit, install team, care, feeding on each home. 1MW Grid scale is far cheaper money spent than 100 10KW home systems. The end result may even be better if the homes don't have excellent solar coverage. Push-in posts and rapid racking along with high-efficiency high-voltage 1000W inverters work well.
Now, if someone values off-grid solutions or hybrid solutions like the Pika or SolarEdge "islanding" solutions - then great, go for those. On a kWh delivered cost, it is higher. The value falls to the single homeowner and not the community. One day, perhaps, a cul-de-sac of solar-fed homes can have its own large scale battery to allow for the community to island and go-off grid just as a hospital or even well designed college campus can do. Or apartment building using community battery, islanding and on-site solar + Nat Gas generator capability. We may see more of that type of thing in the next few decades of build-out. The cost of scale is allowing for good pricing. But there will be more push-back on the tax front where community members who don't have solar and/or batteries do not want to pay for single-homeowners incentives to go off grid "for themselves".