Solar Panels, for CIVIL discussion

So my panels are on pace to pay for themselves in 5.5 years. If I did NOT take the tax credits my payoff time frame would be 14 years. With my panels guaranteed to produce over 85% of their max energy after 25 years. How exactly is the solar industry NOT able to stand on it's own as some have claimed? And that's with me buying American made stuff. Had I bought CCP panels the payoff for me and you folks would be much sooner subsidized or not.
My electricity bill is less than $100/mo and a system is $20k plus w/o subsidies (not sure there are any up here) so the payback is very long even if I could generate all my power 24/7. I assume the system would be worn out/obsolete by then.