There's way too much human labour involved in getting someone to drive to your house, climb onto your roof and bolt panels to it. In that time, that same worker could set up a dozen similarly-sized panels when building out a utility solar farm.
And yes, if your time is worthless, and you don't value your neck, you could DIY, and save on some of those costs.
... But you'd still be tied to the grid (and paying grid fees), unless you are ready to invest $XY,000 for a massive battery bank... That might still leave you without electricity during a period of low generation/high consumption.