... but why can't a system simply be disconnected from the grid to eliminate the danger to power line workers?
I worked a few years in that domain. It's more complicated than it seems even for simple unredundant systems.
The system opens a relay between grid and inverter, the inverter keeps on delivering energy to devices.
For going back to grid, it gets synchronised and then closes the relay again. (simplification)
The relay that is put between grid and inverter, is controlled by the inverter, so in the legal block diagram, becomes part of the inverter, wich implies that all devices connected to it, get their energy through that block. A block with 2 power sources. You end up in a spaghetti of regulations here.
It already exists a long time but makes inverters/sources more expensive, less efficient, and more complex.
Also think of firefighters. Now they shut down electricity in the street and it's (electrically) safe(r) inside.
Another spaghetti of regulations here.