If loads are interruptible and you don't mind not being able to turn on your air conditioner at 10pm on a hot summer night, then sure, off-grid rooftop solar can be cheaper. Primarily, the way people who actually live off-grid operate is the same way people without running water wash dishes: you ration your consumption.
But most people want power for all their stuff, all the time. It will always be easier to plan for generation adequacy and resiliency centrally rather than every single power user having to install enough generation and storage to meet their own needs, 100% of the time.