On a purely economic basis, retrofitting for wind and solar (and greywater) on the small scale may seem unprofitable now, but as peak oil heats up in the next few years, I believe those who do will increasingly be sitting pretty with regard to utility bills.
Peak oil is one (important) piece of the puzzle. But, there's a several-hundred-year supply of coal available to produce electricity (plus natural gas, hydro, and nuclear). So, I suspect that, even with peak oil, we won't see solar as a cost-effective alternative in our lifetimes.
Of course, just looking at the cost of electricity does not take into account externalities.
But, most people look as the choice between a signiicant spike in their energy bills (to cut GHGs) and compare that to an X degree increase in global temps a hundred years from now (when they'll be long dead and gone) and think, "I'd rather have cheap energy."