If there's too much solar in your area (which will be the eventual end result everywhere) you get net billing, where you don’t get charged for the energy you use, but they won't pay you a dime for anything over what you use or will even disconnect you if you overproduce so the local substation doesn't explode because it wasn't specced for any of this shit.
The end result is that you don't get paid for any of your daily overproduction and still get billed at night, the worst of both worlds. It incentives people to buy batteries and store the peaks, with grid power being mostly optional.
In some places. If you're dumping excess energy onto their network, in some regions they'll also charge you for that
Australia has the highest density of residential rooftop solar in the world, making up about 11% of the grid supply. Feed-in tariffs are standard there.
Anecdotally, amongst my social circle, people are buying house batteries because the feedin tariffs are so low it's worthwhile spending $10k or so to store your daytime solar for use in evenings/night - because it costs 40 or 60c per kWHr to buy electricity off the grid in the evening, and they only give you a cent or two to if you feed it on during midday solar peaks. It's way better value to charge your house battery (and you car if you can) than to sell solar generated electricity back to the grid.
The grid will definitely pay you to sell it electricity if you fulfill the industrial standards it expects.
The issue in your assessment is that the quality of service provided by someone just setting up solar panels and inverters and plugging that on the grid is the equivalent of starting a skyscraper building company based on your experience building your garden shed. It's not safe, you won't understand why, and eventually you or someone else will get hurt.
The grid going down is game over. Once you’re at this point, there are already people going hurt. The way inverters react to this is irrelevant.
The thing making home setups not a source energy utilities would want to pay much for is that they bring no service to the grid (frequency and voltage management, ability to be turned off when the grid manager wants, reactive production management).
The part where people get hurt is that in overproduction events, the grid manager has no way to cut that production or even single homes, so they sometimes have to cut whole neighborhoods. That did happen already, even if it’s not a common thing.
Then only one person needs a generator and/or Starlink to provide some connectivity.