You're making a lot of assumptions. Size of roof, type of solar installation, climate, geographical location, how much the person drives, whether electric heating is resistive or uses a more efficient heat pump, whether their house is well-insulated, how much hot water they use: all of these effect whether or not someone can achieve an energy surplus or not from solar.
It's quite possible for someone to produce enough energy for their regular use from rooftop solar, even if they drive an EV and don't have natural gas. If they're using an electric resistive furnace to heat a large, poorly-insulated house and have a small solar installation that's partially shaded by trees and they drive an EV long distances on a regular basis, then no, they probably aren't going to break even.
It's quite possible for someone to produce enough energy for their regular use from rooftop solar, even if they drive an EV and don't have natural gas. If they're using an electric resistive furnace to heat a large, poorly-insulated house and have a small solar installation that's partially shaded by trees and they drive an EV long distances on a regular basis, then no, they probably aren't going to break even.