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There’s sort of an urban legend in Sweden that ”The silly Brittons who don’t understand insulation feel sorry for Swedes that can’t afford to heat their houses so the snow melts of the rooves”. Are you saying that’s true?
It's more that construction has been incredibly short-termist for too long.
A huge amount of housing was built post the second world war. Very quick and not of high quality. We needed a lot of it and we needed it cheap because we were pretty close to broke.
High rise social housing came along and was again, prefabricated concrete with a short design life. Expected to be used for at most 50 years then replaced. After all, the 60s expected tomorrows home to be better, why build to last 100 years when it will be advantageous to build again.
Public sector building existed up until the 70s but it was about volume and designed to get us to the next point where we upgraded that stock.
Then the 80s happened and we never upgraded the stock. It was instead sold off to the private sector and when they rebuilt it, they were also deregulated.
Any house today has a design life of 25 years, the length of the average first mortgage.
We're even echos with austerity starting in 2010. Schools built as a quick fix in the 60s, with a 30 year design life, slated late for replacement in 2010, then the funding removed due to cuts by our current government.
Turns out they've got RAAC roofs which cave in without warning when they're more than twice their design life.
Grenfell is a disaster caused by taking a building built to the lowest bidder as a quick way to provide housing. Then tacking on insulation to the outside. Our construction sector is so deregulated this insulation was highly flammable and hundreds died as a result.
The result is we choose older buildings because survivorship bias means the crap built in the 1930s and before has already gone. If we buy old enough we get well built homes designed to be heated by fires and stoves.
Fires generally kick out more heat than is needed to heat a room, so insulation to keep that in just made the house too hot to have a lit fire in the UK. Originally they were insulated enough to leak the correct amount of heat.
Retrofitting these old houses with more controllable heating and insulation is difficult.
But buy a newer house designed with a newer heating system in mind and you'll find it's trash quality. Possibly even dangerous and completely worthless when a revelation about building materials comes out.
TLDR: British people aren't stupid. Houses from the 1700s, 1800s and up to the 1930s were built to last as long as possible. Newer property wasn't.
Left wing governments built cheap and got voted out before renewing stock. That's all end of design life now built 1945-1979
Right wing governments from 1980 deregulated construction so very little built since then is of good quality. Some of it simply dangerous and now worthless.
STLDR: We understand insulation. Our governments don't.