The way energy is rising in cost the old, " Too long a pay back naysayers " may well be proved extremely wrong in just a few years. Even if it took 20 years such schemes if they last say 50 years or longer will mean 30 years of free heating because someone had the sense to invest in the future.
Theres 2 issues with that.
1, I need to live long enough.
2, Nothing like this going to last 30 or 50 years. It will require all sorts of maintenance in the intervening period. Even at DIY level. Thats all more cost.