Mortgaging our Energy System

I saw a republican pundit, on Bill Maher this week say we can't have solar or wind because it's ten times more than coal.  

What I don't get is, we have mortgages to pay for homes that are more than ten times what people can afford, the bonus, after you pay it, it's yours forever, and you can pretty much not have to pay that fee ever again.  Why can't we do that for energy.  Use the mortgage system to build an independent energy future.  Use the mortgage concept to build  Solar or wind.  

It wouldn't even have to be pay more now, than it's yours forever, why because it's renewable you don't have to continue to find the energy source.  If you price that in, why should you have to pay more?

So I propose we pay for our energy system as if we were buying, not renting.  It's the best deal for the long haul.  

Much like a home has taxes and fees for upkeep, our energy system would have the same type of fees.  What I'm wondering is that if solar and wind is in fact 10 times more, why can we pay for it in installment plans, and know that once economies of scale and the initial investment come in to play it's going to be a hell of a lot less.