I don't know why so many of the systems are screwed up, but they will never pay back even if they work correctly.
I would have to disagree with you. I have had Geo in my house since 2009. 20 Vertical Wells @ 140-160 feet deep. I heat and cool between the house and the 2 garages just over 12000 sq ft. Highest bill today was $628 on the Geo side which is isolated from the normal house electrical. This also includes the gas back up. We are charged 50% of the normal kilowatt price for the Geo. At the time it was called the "Dual Fuel" program.
In 2014 I build my shop. 10588 sq ft with Geo heat and AC. Had to do a Loop field because we hit fractured bedrock at 70 feet and we would have had to drill 40+ wells. They directional bored 8 300 foot loops which is roughly equal to 17 140 foot wells. Highest heating bill this past winter was $164. Again isolated from the normal electric. Gas back up was never used. I had the power company run 3 phase power to the building. Even thou it is "residential" Ag 2 property I get a commercial discount of 1 cent per kilowatt and that is discounted 50% for what is now called the "Back up relief" program.
I heat Car Shop, Machine Shop areas, 3280 sq ft to 62°, Office/Rec Room area 1404 sq ft to 68° and the "cold" storage area 5904 sq ft to 50°. All in-floor radiant with forced air to temper if required.
So what can be an issue is if the Geo system is installed correctly and the electric supplier is unaware of the programs related to Geo they may not be getting the discounts which makes it affordable and has a better return by far for the monies spent.
I know when we were trying to figure out the new program for the building it was confusing as it was extremely hard to find the right contact at the power company to steer in the right direction. Had we gotten under the "Dual Fuel" program as it was known in 2009 we would not have gotten the 50% discount and the bill would doubled for the new building. A common mistake my Geo guy said is happening.
My ROI on paper for the house was 4.8 years and for the shop 5.2 years but this is only valid figuring in the 30% Tax credit on the federal level. There is really no way to tell actual savings unless we had conventional HVAC first and compared the bills afterwards. But knowing what other with the same sq footage are paying I know I am saving money. Other than filters I have had no maintenance so far...well other than 2 humidifiers that went bad.