I suspect that the 65% figure is more likely achieved with something like a hybrid heat pump (? don’t kill me if the name is wrong), so basically mostly heat pump and something extra to heat during the coldest winter? But that also sounds like an expensive affair.
The scenario "someone bought a house with a 28-year-old heating system during the low-interest phase, financed it to the limit, and now can’t afford the new heating system" honestly sounds very contrived to me. If I buy a house with a 28-year-old heating system, I fully expect that I will have to deal with it soon. And these ideas don’t come out of the blue either. That means either I make sure to renew the heating system quickly now without changing the technology, or I spend more money and switch to something else now. It’s always portrayed as if "completely insulating everything, installing underfloor heating (does the statics even allow that), then you can go for a heat pump" is the only option. If there simply isn’t any money for renovation measures, one is presumably more likely to go for pellets or something (edit: or the above-mentioned split AC). Otherwise, there are quite a few intermediate solutions between "renovate your house completely for 200k and run the heat pump at 30° flow temperature" and "completely unrenovated, annual performance factor <2."