From what I've heard from people who've done deep dives, most solar installers in the US are essentially financing scams. The component costs have come way down, it's still essentially screwing things into the roof + a few hours from an electrician.
The real money is convincing marks to take the financing for 20+ years.
No, the cash prices are insane too. I paid cash for my system.
If that were the only reason, you’d surely be able to find someone who undercut the bloated financed costs and do a straightforward labor and materials install. But no such cheaper options exist