Know you don't want to dox yourself, but .6 is... rough. Like super rough. Would love to know where this is, but no pressure. Thankfully you're not relying on it completely. And oh what I wouldn't give to know the incidence of deadly maybe very-damaging electrical fires there given your well put "regulation is a suggestion here everyone ignores." Because if the incident rate is no worse than here you can make some assumptions that the regulations here are overly burdensome. I'd be remiss if I didn't say that regulations are oftentimes written in blood; it's true in the case of electrical generation, distribution, installation, but it's also a glib way to stand in the way of solutions that improve peoples' lives.
I think it's the reason why we ignore regulation. It's not really malice or greed, local government is just a mess. It takes months of waiting.
And when we "break the rules" we consider the rules and break them in a way that minimizes our liability.
Like the reason for the certified install is to protect the line workers. I live on an island, so that's basically my neighbours. Nobody wants them dead. Likewise nobody wants to go through bureaucratic hell.
Solution: grid-backed installs that doesn't interact with the grid. Which any Juan or Pedro can do if you don't want to do it yourself. It runs around $200 to add a new "electric group" to your house.
And to be fair the standard rate is 0.38 cents per kWh and some fixed rate. But the poor they force on the pre-paid package which has no fixed rate, but runs at that higher rate.
And so when you can't afford to buy the electricity you end up in the dark without giving the utility any moral obligations.
I live in the "Caribbean Netherlands", the largest island of the 3.