Yeah totally agree - although we should remember the long range change - ie average house temps were 10-12C 80 years ago, no one had a car as they were so expensive etc and we've gradually raised our standard.
I'm not sure it's quite right to say 'its for the fun of it', but your essence is right - ie those who can afford it, can afford to think long term - eg my setup cost £14k, but will pay back £65k in 15 years through savings (woefully pessimistic given current costs) so it does allow smart investment whereas those who can't afford will have fewer choices to 'invest' out of challenges.
My point is that as people buy these, it'll drive them towards ubiquity which will drop prices (as per cars, telephone, PCs, mobiles etc etc) which are all accessible to pretty much all these days.
The other aspect is these people are able to shoulder the risk - ie solar, batteries, wind, inverters etc all will have teething issues as any new tech will, so IMO it's better to allow people for whom it's not a life changing risk to drive these things forward.