Electricity in California is the most expensive in the country. When I lived there I spent between 20-35c/kWh. I moved to Utah and now pay approx 9c/kWh, cheaper by a factor of about 3. I live in the Southwest part of the state where the temperatures regularly hit 46c and my electric bill comes out to about $100.
typical wholesale prices are 2½¢ per kilowatt hour
solar panels are 8¢/peak watt https://www.solarserver.de/photovoltaik-preis-pv-modul-preis... which works out to 40¢ per average watt assuming a 20% capacity factor. at 7% yearly interest, that's 2.8 cents per watt, and since a year has 8.766 kilohours, it's 0.3¢ per kilowatt hour. for ac inverter systems, balance of system costs typically triple this, and in the us, import tariffs double it again to 1.8¢ per kilowatt hour
the future is already here; it just isn't widely distributed. and that's why you're getting scammed
I mean I can get solar on my roof for about $4000Aud and then I pay nothing unless it's particularly cloudy.
But for grid electricity even if the generation is dirt cheap the power company in WA is responsible for covering an area the size of a chunk of Europe with a total population of under 3million.
There are significant distribution costs involved and I suspect even at the prices we pay its subsidised by the government.
$4000 is also pretty expensive; at my 7% yearly interest that's $23 a month. at my number of 0.9¢ per kilowatt hour that's 2600 kilowatt hours per month, an average of 3600 watts. i will be very surprised if you are using 3600 watts round-the-clock average unless you have a machine shop in your garage
so i think you are dramatically overestimating the cost of rooftop solar
$400pm just for aircon seems crazy high to me.
Living in Perth, Western Australia id use that over a 2-3mth period over the summer running aircon 24/7