But there's a huge difference between actual zero usage and net-zero usage. That's the whole point.
If you're using a generator (or, as another comment said, just use hardly any electricity) then you're not a burden on the system at all (or barely).
If you're "net zero" because you feed the grid your excess power during the day and take away power during the night, you're using all their infrastructure.
In your example, you don't need the grid, so it makes sense not to pay grid overhead (minus arguments about how we still pay for schools with taxes even if we're not using them).
In the solar example you absolutely need the grid. So net metering down to zero is definitely a subsidy. A subsidy I absolutely agree with, but a subsidy none-the-less.