Most people don’t have the capital to be responsible for their own electricity generation, except the rich.
For those that don't have the cash, financing is available.
Have you read this, about SunKing and SunCulture in Africa, recently posted on HN: https://climatedrift.substack.com/p/why-solarpunk-is-already...
Their smallest solar products are small lanterns. Simply having a pollution-free source of light is already a quality of life improvement for some people. One step up is to add a USB port to charge phones.
Low Chinese prices are making it more and more possible though. I hope the future will be really different.