Then only one person needs a generator and/or Starlink to provide some connectivity.
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.