At least in the US, in most states, you're entirely allowed to do your own electrical work on your primary residence, and it has to meet the same standards, same inspections, same permits, etc, as any other install.
As far as grid tie and rapid shutdown, the only thing that really matters there is the inverter. If they're a UL listed inverter, they'll shut down properly when the grid drops, at least on the backfeed ports (some have automatic transfer switches and such built in to continue powering the house grid down).
Also, can you cite evidence of a DIY install actually killing ("plenty of times") a lineworker? The techniques I've seen for line work involve "dead shorting the phases and neutral all together before doing anything," which makes the grid segment quite impossible to energize for invasive work, even if someone somewhere else screws up. And I've seen some reports of generator based backfeeding injuring or killing lineworkers (who generally were half a dozen safety protocol violations in at the time), but I've not seen any related to solar - because grid tie inverters simply don't work that way for any I've found.
Clearly this could happen with a dumb diy solar install, but also the case text shows that the company knew this was a possibility and enumerates several ways this accident could have been avoided.
But I've yet to see "plenty" of deaths attributed to DIY solar. A downed grid segment looks like a dead short to an inverter, and anything even faintly UL listed (even with a "UL Listed" sharpie marking on the box) shouldn't be feeding into a totally dead grid segment at all. Most of the grid tie inverters lack the ability to create a waveform in the first place - they can only feed into an existing waveform.
Making truely idiot-proof high voltage wiring is difficult. However, that's what inspectors are for (in theory).
Also, solar panels are heavy and pointy and often stored on roofs where the wind can grab them. Again, inspectors should check this.
If it's not grid-tie, I say have at it. Require by law that the property specify that the work was not done by a professional if it's ever sold and the only people exposed to that risk are mostly the people who made the bad decisions.
If it's grid-tied (or accidentally grid-tied) not having a properly installed and configured transfer switch could quite literally mean (and has meant, plenty of times) killing a maintenance worker.
If that's even a possibility it's not responsible to allow DIY work in this area.