All thermal power plants (solar and fossil fuel) have significant inefficiency related to the difficulty of converting heat into work. So the turbine contributes to the inefficiency but isn't the biggest factor. Solar thermal power generation looks less good considering this.

For things where you really need heat, like cooking or heating water, you can avoid that inefficiency of converting light or heat to power; for example, lots of people heat their hot water by collecting heat directly from collectors on their roof. However, despite the increased efficiency, this isn't necessarily cost-effective compared to other means of reducing fossil fuel energy use--electricity is just a really practical way to move energy around.