They can also get away with it because of the 30% tax credit plus it offsetting your existing electric bill so people see it as a net win even though they're way overpaying. With current rates, the financing isn't that enticing either if you don't do the dealer fees. On a 25 year loan my most recent install would cost over 100k if I didn't pay any extra towards the principal. My average utility bill would have to be $300/month more to break even after interest but then I also have to consider panel and inverter replacements by that time.

I'm at a crossroads because part of me wants to wait it out but then we've also seen costs go nuts on everything in a short time so I don't want to get left in the dust either.