I am a lady. And have you ever considered that it might also be due to not knowing how?
You don't have to justify yourself here, especially not to HilfeHilfe (whose nature is a dysphemism of his nickname)!
I'm signing off now.
I find that rude, since you do not answer my specific questions and thus offer no resolution of this development to readers following along. Have you done your reading? What information have you absorbed? What is repeatedly discussed in the Massivhaus vs. Fertighaus threads?
You want to make the biggest investment of your life, have taken a helpful step by registering here, but want to run away again after the first bit of resistance? That's a shame.
You imply in your last post that you could even do the roof in EL? Do you think 10 out of 10 prefabricated house providers allow that? I doubt it, or at least I know of one here in town where hardly any EL can be applied.
At least see it as a food for thought before your departure...