There's quite a few companies doing this where I live (Japan), e.g., https://change-x.jp/equipment. One important clause I saw was that the ownership of the panels automatically transfers back to the operating company after the panel's useful lifespan (defined to be 20 years). I also saw an example that originally did small investors but then at some point found a large investor, but can't remember their name at the moment.
Similarly, what do you think about the fact that solar panel manufacturers and all inbetweeners could "just" build their own power plants rather than sell to individuals?
Solar panel companies are in business of making the panels, wholesalers are in wholesaling business, those who install are in installation business. Each setup to be somewhat optimal in their own segment.
This just looks like extra costs for actual running of sola plant. Compared to straight up existing structures for funding.
Similarly, what do you think about the fact that solar panel manufacturers and all inbetweeners could "just" build their own power plants rather than sell to individuals?