It's not financing. You'll never own those panels. You now have a permanent, physical relationship with the stupid solar company. Business models like that normalize two things:

1. Everything should be absurdly, suspiciously cheap or even free.

2. You don't own things you buy, you just own the right to use them according to your lengthy legal agreement with the real owner.

These have become very popular ideas! So popular, in fact, that if you object you're stuck paying for specialty items that are dramatically more expensive than they would be if they could be produced at scale.

The unfortunate truth about living in a big economy is that everybody merely exercising their free choice really does affect everybody else. So we reserve the right to talk shit about annoying business models, in the hopes that we will make them at least a little bit less cool and less popular so the competitors with "purer" models (like, "build a thing people want and trade full ownership of that thing for money") have more of a chance to scale up.