Credit Crunch Creates Catch-22 on Renewable Energy

So here's a man who is fed up with high utility bills. Like any rational being, he decides to take some action and reduce that expenditure that he pays out to the utility each month by installing solar panels on his roof. He goes to his bank to ask for a loan because he doesn't have the 10's of thousands of dollars to pay the solar company. He's told that credit has dried up and he can't get that loan.

Even though I am optimistic I have a gnawing feeling that this will be the rule for the foreseeable future (even with the RE tax credits). Credit is drying up folks and there is nothing that we can do about it. I'm just thinking out loud here but I sure hope that this doesn't kill the RE industry, otherwise there are going to be a lot of people unable to heat their homes.