It only helps regular people as long as nothing breaks.
You're still beholden to the huge company that's making the panels, or the company that's installing and maintaining them. On property panels are only as decentralized as your personal ability to install maintain and repair them. Off property panels are only as decentralized as the conglomerations that own every solar farm and wind farm.
You aren't "getting away from huge companies." You're just increasing the minimum footprint and ecological disruption needed to generate the power needed for modern life. Let alone the amount of increase needed if EVs are ever going to have a chance at challenging ICE for majority market share.