Loans come with interest payments which makes the cost increase. If someone can’t afford solar panels without a loan then they can’t afford them with the additional interest payments.

Solar panels are cheaper in the long run after up front costs. People who can’t afford their monthly electric bill don’t have the capital for the up front costs.

But if I could afford to install a system, yes it would be cheaper after X amount of years.

If someone can’t afford their electric bill how are they going to afford solar panels?