United Kingdom
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Heating the past few decades (or even century) was simply too cheap. Cheaper than insulating on the short term.
In cold countries, they didn't have this option. they had to insulate.
Proper insulation is best done when building a house. Afterwards, it's a little bit more complex.
This is the answer. We're addicted to cheap short term pretty things. Why insulate your home when you can spend the money on a week in the Costa Del Shag and then flip your house for a nice profit without doing anything to improve it?