GFCIs are not keyed to individuals.
I never said they were. You can easily scroll up instead of me pointing out your strawman, so I won't repeat myself. A GFCI can specify which human it saved. When it trips, somebody did something to cause it. This is very much unlike when someone doesn't go off the road in the rain due to striping highways, because such things are not known except through statistics.
Similarly, lowering fossil use statistically saves lives. Many lives, in fact, and will save many more in the future.
It is also well known PV carries substantially higher environmental costs while offering less than half the capacity factor of wind.
BS. Not only are you making things up, it's impossible to compare it like you're attempting. How can one compare capacity? What's the capacity of a rooftop wind system, which is utterly stupid to try to implement due to noise and vibration, in addition to the fact most houses cannot support the structure or have any wind potential whatsoever due to location?
Due to practicality, you cannot have wind on houses, so your comparison is immediately flawed. In addition, any CO2 calculations for creating solar panels is assuming coal produced energy. But like gcc can compile itself once bootstrapped, solar panels can generate most of the energy needed to create themselves, sans mining which is required by both wind and solar. Wind can do the same.
PV works wherever/whenever the sun shines, needs nearly zero maintenance over its 20+ year life, does not create massive waste turbine blades sent to landfills, no ongoing fossil fuels for oiling, are noiseless and compatible with neighborhoods, do not require spacing from other PV, and occupy space useless to other things, and all have an immediate and direct connection to the grid. They are not unsightly and do not harm wildlife, either. Meanwhile wind has to be installed far from houses, is less predictable than PV, is more easily damaged, requires a lot of land, and generally only installed far from houses... but we're talking about houses.
Even if you could make a direct comparison, it still doesn't matter because PV is far more acceptable for homeowners in virtually every instance. Your entire argument depends on accepting your first statement that it's cheaper to have utilities do PV. But the fact is, you cannot have homeowner wind turbines and have neighbors. Houses block wind, they are noisy, they wear out, and they are unsightly. So it's easy to pull the rug out of your argument because we're talking about houses with PV, not utilities with PV.
What happens once the value of energy goes negative for hours per day and utilities are literally paying to sink excess?
Is this rare event literally your argument? Maybe you should ask what happens when the value of energy goes negative on a nuclear power plant, or a coal plant, or any number of other plants that cannot simply be shut off. All of them have sinks, and nothing you are claiming has any relevance other than libertarian FUD and it's BS. All utility companies require permission to grid-tie any generator, so if they screwed up their calculations, it's still on them. So, yeah, they pay to sink excess just like with every other electricity generator. Maybe it'll make up for the tons of energy lost due to capacitance and resistance in the high tension wires, because local generation is far more efficient than shipping the power over lines, but they're charging the same rates, now aren't they?
And there is a big push to deal with storing this excess energy, including building potential through weights and gravity, geo-heat, and electrolysis of water and recombining with fuel cells. This does have to be addressed to avoid overloading a substation that cannot backfeed, but preventing overloading is an administrative issue and nothing else.