I know about all the trade offs you mentioned. Personally I'm happy with my coil electric stove because a bit more difficulty cooking is a good trade off to avoid cancer and climate change, but that argument has been moot for decades anyway because induction stoves are better than gas in every way.

Modern heat pumps work fine at the vast majority of locations where humans live. If you happen to live at the north pole, you can supplement your heat pump with electric resistive heaters or even, god forbid, gas, and still come out far more energy efficient.

You're absolutely right that people won't do the right thing voluntarily, as seen with all these examples. That's why we need governments to encourage them. That could be through regulation, taxes, subsidies, and building the right infrastructure to make it easy to do the right thing.