"What that means is that if most people had solar panels, from 10:00-2:00 they could generate as much power as they use the rest of the day. Their electric bill under net metering would be zero. However, the power company still has to provide power to them the other 20 hours per day - for free. See how that could be a problem for the utility, having to provide power for everyone, but nobody has to pay for it?"
well, your post was fairly good, except the part about 4 hours a day. from my link set the day to the 28th of September 2014, starting at 8:30 am decent thousands of megawatts, by 11:30am power is nearing it's peak for the day which levels off until about 2:30 pm and doesn't fall to the thousand megawatt until 5pm. and please realize this is solar generation in germany, a fairly far north country anything that works at germany's elevation is going to work even better in further south regions. so really you get 25% or better of power generation for six hours a day not four hours, and you get a trickle of power for 12-13 hours a day, if you call 100 megawatts 'trickle' 2.5% or better of peak capacity.