You use money to buy energy. Wouldn't matter that you're money-bound if gas was free. With gas (energy) not being free, people are voting with their wallet to say they would rather spend their limited funds on things other than energy.
For example: Going bonkers crazy on insulation is a common thing to do in Europe. We had TV ads for triple-pane windows back in the 1990s in a country (Slovenia) where re-doing your windows costs an annual wage or more. Because over N years it comes out cheaper than paying for energy.
Energy is so cheap in USA, at least in CA where I am, that even in 2024 seeing double-pane windows on a house is rare. Let alone triple or quadruple pane, which have become the norm back home.
For example: Going bonkers crazy on insulation is a common thing to do in Europe. We had TV ads for triple-pane windows back in the 1990s in a country (Slovenia) where re-doing your windows costs an annual wage or more. Because over N years it comes out cheaper than paying for energy.
Energy is so cheap in USA, at least in CA where I am, that even in 2024 seeing double-pane windows on a house is rare. Let alone triple or quadruple pane, which have become the norm back home.