For example, typical solar inverter systems don't have isolation between the AC and DC sides. That means any chafed wire can be deadly. They do at least have leakage detection, but set at a 300mA level, which probably won't save your life.
Considering solar inverters already uses high frequency switching inside the per-string MPPT boost converter, it would have cost mere cents to put two windings on that inductor rather than one and get isolation with no downside.
The cynic in me says manufacturers don't add safety features not required by law, even if zero cost, because in the future laws might be updated to require that safety feature, preventing reuse of hardware already sold, which is good for business.