[jandrese]

You aren't going to achieve your goal of ultra-cheap panels everywhere if you're sticking expensive microinverters on each one. It's weird that you say "I'm wrong" then laboriously explain to me how I was right. The panels are wired in series. The voltages are up in the 100s, which will easily overcome the resistance of your skin.

If they were actually 12v they would be safer. You could handle them with dry skin. It's the same reason people aren't electrocuted while working on cars. The danger would be starting fires as you noted.

Anyway, in the real world when you have panels wired in series you typically need to shield the connection wires in conduit because both the voltage and amperage reach dangerous levels and you can start fires or kill people if they try to handle the wire, and you can't easily turn them off. This is part of the expense of installing solar panels that you can't really avoid. You will always need someone who knows what they are doing to handle the electrical part or you will kill people.

[lazide]

It's also DC - arcs won't self extinguish like AC will. Modern charger/inverters are trending towards nominal 1kv voltages for the individual panel strings too which is pretty impressive. 20amps at 1kv is 20kw!