>By putting the panels on their home they have robbed us of electricity.

Most of the solar we have today exists because these "robbers" paid for it themselves, and got it done rightaway. We all benefit from it. Maybe you meant robber like Robin Hood? ;-)

Your idea seems to be that homeowners can somehow choose their ROI by adding solar to a central power plant instead of their homes.

But that's not the case, they can't do that. There's no checkbox that says "instead of having 20 solar panels on your roof we can add 25 to the central power plant" when you order solar for your home.

Utility solar and home solar is built from separate pools of money for different purposes, and I don't see how you can meaningfully compare ROI between them.

Edit: Also, money isn't the bottleneck so we're not missing out on anything. Every solar panel made is being mounted somewhere, there is no surplus being stored because we ran out of money.