In both cases I'm somewhat curious why seemingly no middle-man 'free solar roof' companies have sprung up where they install it with some sort of arrangement where the panels are free, but they get 90% of the generated revenue until it's paid itself off and then some. So you get a small electricity discount for many years and then eventually a much larger one, and free panels on top.

If they can work out the economics to the point that it's more viable than something like treasuries then I don't see the issue? Of course there's some potential market and other variability, but if this business model is sound then Lloyd's is there to insure it?