I think you hit the nail on the head.... I talk to people at work about solar and when I say 47000 I lose a few. I explain that all the used car sales gimmicks exist in solar... buy here pay here, no money down, good credit / bad credit etc.... I often advise folks to borrow from their 401k instead of the scammers and just pay cash. YMMV, you’ll be depriving yourself of the earnings on the 401k while your money is checked out, but it might be better than paying a scammy company’s interest rates.
One particular guy at work was quoted nearly 80,000 for a system and balked at it. He had given up with a bad taste after that first 80k quote! Over the next year he kept hearing me talk about it really working and he did his homework on the 2nd round and got a much better price for his 12kw system.... $3/watt. Of course it has rained a lot in the past couple of weeks here and I made sure to grill him for putting a whammy on all of us.... I told him thanks to him getting solar, it hasn’t rained this much since I bought my FJR1300.