I think that is a big part of the reason it is being done the way that it is.
If people are not allowed to directly power their own home, they have no idea what it would really take to do it. So they can remain clueless and think they are really doing something by having solar.
I would bet if you asked most of them how much solar they think they produce they would likely tell you enough to power their home and a little extra. I have had some people try to tell me that.
Keeping people in the dark...more ways than one.
Heck, when you ask the sales person when is the projected ROI for the system, they look at you confused. Some people lease the darn thing and that adds additional cost. A lease is a way for someone who cannot afford something... to afford something.
Plus, they are convinced that they will save money. Only if the cost of power is 4x or 5x (only guessing here). The problem: energy is way too cheap right now for an expensive add on to pay for itself.
Then there is the problem with the life of the panel, power conversion system. Just about the time that you pay for the darn thing (see ROI), 10 years later?, it has to be replaced because of wear out, hail damage, replacement parts are no longer available, etc.