Here in CA, PG&E is the problem.
My PV solar system generates all the electricity I need per year. But I have to rely on PG&E to distribute what I generate across the day, month and year I use it. You might think the solution is an in-house battery, but that won't work. First off, my system gets me through the year only because I have a deal with PG&E to furnish power at night, and in the winter, in exchange for what I send them during the day and the summer. In order to generate all I need for every day of the year, all year, I'd need a much larger array of panels, perhaps more than my roof could hold, and a massive battery for nighttime. And that's with no air conditioning in the mix, probably. But nope, PG&E doesn't allow that. If I want to use their grid the way I am, I can't also have a battery. It would violate our contract. Yep. Strangle hold. PG&E has us citizens building and paying for their generation plant (on our roofs), but they want us beholding to them for storage. That's how they'll remain in business once all the homes in CA have solar.
If panels get more efficient, and batteries get smaller (and cheaper), perhaps the average residential-sized home can get off the grid, but for now, PG&E is holding the cards.
That said, for now, they're offering a great deal. PG&E is my battery, and I don't pay a dime for electricity. My panels will pay for themselves in a few more years (about five, total), and I'll be sitting pretty. Well, until CA's PUC bends over to PG&E and they renege on what is supposed to be a guaranteed grandfathered deal... But they'll get out of it somehow... and then who knows what my bills will be...
The other rub is that solar panels don't work in a power outage. I go down when the grid does. Partly because I don't have the equipment to send panel power to my house, but mostly because the size of my array is not big enough to run things. It takes all day to generate what I use in a day. I need the grid to store power from hour to hour. So to use my panels in an outage, I'd need a giant battery, which PG&E won't allow! So for outages, I need a generator, which I've contemplated buying, but that's as far as I've gotten, the contemplation. It's a tough call. It'd be nice to have, but I have so few outages that it's hard to justify a multi-thousand dollar purchase for a few hours of use every other year or so. Now as our power grid continues to degrade due to mismanagement, a generator might make more sense. But until then, the ROI on a generator is iffy.