Now I had to quickly look up what statements I’m actually making. But I’m not making any. Phew. :)
In my opinion, you also don’t quite see the rest correctly: A house costs money. That’s a luxury. It’s said that about €1.50/sqm per month for reserves is necessary from the first time of occupancy. If you do that and maintain your house every few years, you have a low heating load and can install a heat pump for around €10,000 if the heating breaks down.
Whoever lives down their house for 40 years and then has no money for external insulation, new windows, roof, and heating, either has to take the loan you mentioned (regardless of any political or societal pressures), OR (and yes, maybe that sounds harsh) the person simply cannot afford the house. But that has already been the case for many decades and no one can be blamed for that.
So if someone now says they DON’T WANT to install a heat pump and preferably also do nothing against a high heating load, then please don’t complain in 10 years when they have heating costs of €5,000 per year and can no longer maintain the house. Yes, our politics’ task would have been to ban gas, oil, and wood 10 years ago to protect people from exactly the situation we are in today. Denmark managed it. Others are following. But we want "freedom" and few rules at any cost. That then costs those who make the wrong decision. You can see how well that goes in the USA.
So: Everyone can do whatever they want. I only advise, to the best of my knowledge and conscience, for as much reason and foresight as possible. Because I care about intact families, happy people, and a stable cohesion in our society.
So, sorry. I needed to get that off my chest.