Sorry, maybe I wasn't being clear.
My area has solar incentive programs that are run through the energy utility - meaning the state makes available zero-interest loans for the purposes of solar installation, but those loans are only available through an entity partnered with our utility. They limit the number of homes in each area that are eligible through this program so that solar generation never exceeds demand. Our home was eligible through the program, so I had them come out to give us a quote. Our utility is also transitioning to surge pricing and smart metering, so there's a pretty high demand for solar installation in my area and they know that they'd lose out on a lot of revenue if everyone installed their own solar systems.
A part of that process was them asking for the last year of energy bills, along with taking measurements and doing daylighting analysis on our roof area. At the end, they gave us a quote for a 15 year loan for the equipment and installation, and it just so happened that the monthly payment was the same as our average energy bill. I work in AEC and I know what solar panels cost, and they had inflated their price by more than double what it would cost at market rate.
Of course I could install my own panels, but it would be out-of-pocket and I would have to seek out and apply for out-of-state incentive programs myself, but I can't afford the up-front costs and the loan terms don't make sense for how long we'll be in this house. Id love nothing more than to do it myself, even at a loss if that's what it took, but I have a spouse that is less spiteful than I am.
In moderate climates in the US, peak loads are typically the hottest and sunniest hours of the day since condenser units are the most energy-hungry appliance in most homes. Clouds notwithstanding, peak solar generation would typically align (or closely align) with peak load time.
Batteries would also help a lot - they should definitely be subsidizing the installation of those as well but unfortunately they aren't yet (at least not in my state).