What will they do if they learn you installed your minisplit yourself?
See the Brazil movie :)
Idk for Americas, but here in rural EU no one would give a fuck. Some will ask for help.
Nothing assumes no issues. If it catches/causes a fire, good luck with insurance
Nothing because the political optics of doing anything are bad ad the last thing they want is to create a victim that causes people to ask the question why the rules are even written how they are.
Environmental law is the same way. You're mostly (details depend on jurisdiction) not supposed to pave anything without getting permission but if they pushed the issue on everyone who put a pad under their car port the rules would get changed.
They also don't 100% enforce the speed limit either.