The real money is convincing marks to take the financing for 20+ years.
One thing that isn't super obvious from the article is that a lot of it is talking about industry solar panels rather than rooftop. The overheads of installation etc get a lot smaller if you're installing a whole bunch at once.
This isn't to say that installing solar panels on your house is a bad idea - they normally pay for themselves after something like 10 years from memory, so are similar to double glazing.
[0] https://www.energy.gov/cmei/systems/overview-trade-and-polic...
On-prem has a problem of distributed labour costs.
On-prem might eventually become cheaper, but my guess is that won't happen any time soon.
For the time being, centralized and at-scale installation is where you can get much, much lower labour per watt costs.
Other places (like the EU and especially the US) have regulatory problems around anything to do with energy. This is mostly about ass coverage resulting in a lot of pressure for certification, related fees, grid operators insisting on a lot of overhead, building codes requiring a lot of faffing about for the business of wiring together what is essentially plug and play stuff, etc.
If you have an off grid shed, providing power to it is cheap and easy because you have none of that. You buy the hardware on amazon or wherever. It arrives, you wire it up. Job done. And if you are smart you might let a qualified electrician do it right for you or at least check your work (so your shed doesn't burn down and nobody dies from electrical shocks). But fundamentally it's not that hard and this stuff is mostly pretty safe and easy to work with. Especially compared to the things people burn down their sheds with traditionally (e.g. generators).
There's a lot of optimization potential here and most of that is completely non technical.
The biggest cost components are sales and marketing expenses and similar soft costs. Some of this can be driven down if you collectively buy through something like https://solarunitedneighbors.org/
(have installed 100kw+ of residential solar, ama)