Full off grid should probably not have to pay anything. But if something breaks you are on your own.
Why?
For example, I don't like how big a role oil plays in my life and I would like to be less dependant on it day to day. I'm also trying to grow and raise more of my own food so I'm less dependant on industrial farming and meat production.
Living in a tiny house is a tradeoff that makes it possible to even consider going of grid. I can't imagine trying to design a sustainable off grid power system to great and cool a 3,500 sq.ft. house, designing for 350 sq.ft. is already daunting enough.
Life would be very, very different without oil but if we honestly think our use of oil is breaking the planet I don't know what the choice really is. We'd be picking between breaking the planet on the time scale of decades or having to go back to life as it was lived up until the last few centuries. As terrible as that transition would be, the two paths seem like an obvious choice.
It isn't ruining the planet, just altering weather, for good or bad.
"fundamentally break it as early as 2030?"
Who is saying this?
ALL of modern civilization is only possible due to cheap energy from oil. We couldn't make solar panels or wind turbines with only power from solar panels and wind turbines.
(Helps that it's well insulated and that hot water is central. hvac is not, but due to good insulation, hardly gets used except in summer)