Can you expand on your first sentence? Why does the US need diy solar? We don’t operate individual natural gas turbines in every house either for a lot of reasons, instead we invented the grid.
As far as peak load solar doesn’t solve the problem for grid operators because peak electricity demand happens well after the sun stops producing which means that solar users are simultaneously paying less to maintain the grid while also putting the most variable load on the grid. This problem has been very thoroughly explored and debated, it is called the “duck curve” problem. The only solution to the duck curve problem is storage. That puts us back at square 1 where individuals operating small batteries and inverters cannot be as efficient as large scale battery banks that prolong the life of the same batteries through better thermal management and larger and fewer inverters etc.