An example of an invertible operator with zeros on the diagonal can be represented by a 2x2 matrix of the form M=[[0,a],[b,0]]. The key condition for this matrix to be invertible is that the product of the off-diagonal elements (a and b) must be non-zero, ensuring that the determinant is not zero. The discussion emphasizes that understanding the conditions for invertibility can be achieved without directly calculating the determinant, particularly for those who have not yet covered this topic in class. Participants are encouraged to explore methods for finding the inverse of the matrix directly. This approach allows for a deeper understanding of matrix properties despite the initial focus on diagonal elements.