https://c8.alamy.com/comp/D24NWW/solar-hot-water-glass-tube-...
https://c8.alamy.com/comp/D24NWW/solar-hot-water-glass-tube-...
That pipe is HDPE, and corrugated to boot, so it can go through quite a few freeze/thaw cycles before it starts leaking. It's true that it won't provide you hot water when it's freezing outside unless you put it under glass or at least plastic, though, and that drives the cost up.
I was expecting to find that you were ridiculously wrong, but actually it seems like the costs for a passive solar collector that can produce hot water in freezing weather actually might be about equal, or in any case no less than half the cost of photovoltaic. Bravo! And thank you for the insight!
But I guess they must be rotated to follow the sun, which is more complicated than just pipes on the roof.
The very first solar power plant, in Egypt in I think about 1910, was actually a steam plant that worked on precisely this principle. Photovoltaic is cheaper in most of the world than a steam engine now, though.