Also, living in SFH isn't avoiding all problems. I'd rather live in a properly-built apartment than my old house when my neighbor left her dogs outside to bark for the entire work day, every single day, and all the city would do is fine her a hundred bucks every few months. (or if you want to say "rural", that's 1 a small fraction of the population and 2 I like hospitals).
I just live far enough from the center of it all that I have a vacant quarter acre and thicker windows that happened when the last owner's mistakes caught up with me the current owner. For medical, I have UCSF, and for major medical, I have medical tourism, something I fully endorse from experience. And yes, not everyone can do that. And well, I can't touch my toes and they probably can. Life's funny that way.
For solar powered homes specifically though, multi-story buildings are much harder to run solar powered from the simple ratios - even if you reduce energy use 75%, at 4 stories you are break-even in roof-ratio-to-energy-need. I’ve worked in this space a while, and it’s now pretty straight forward to run single-family homes 24/7/367 on solar in most of the world, but multi story buildings are much harder.
Nothing is ever simple or one-dimensional :)
You don't need to colocate solar at the point it's used. Utility solar is cheaper than rooftop, by multiple.
The last part isn't true. There's no way you're running a home, including heat, entirely of solar in the winter in the Upper Peninsula of Michigan.
As for the last part not being true, can you clarify? The majority of the earths population lives between the 20th and 40th latitude, the band around the earth approximately between Madrid and the Sahara desert. Sure you can’t run a poorly insulated home in northern Michigan on solar year around without considerable expense, but that’s nowhere near where the majority of humanity lives.