Because someone has to pay for it to happen. The time to payback is 5 to 15 years with is too long for a lot of people. Also the payback period depends on how the price of electricity develops which adds uncertainty.
Aguably rooftops are not exactly the optimal place to put solar panels either. It costs 2 to 3 times the price to place them there as opposed to many more at once in an empty field.
The feeling of grud independence is rather nice though.
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