Insulation is expensive and it's hard to be the first homeowner to install it - because when you sell your house, the next buyer has to pay a premium for your insulated house, which means they have to be convinced of the merits of insulation and be able to pay for it.
Countries that have both the money and the investment-friendly culture to insulate their houses tend to be the rich ones.
It depends on the pay-off period. This is determined by heating costs, the insulation costs, and the interest rate. It could take many years to pay for some kinds of insulation.
Countries that have both the money and the investment-friendly culture to insulate their houses tend to be the rich ones.