Having a stone wall on the inside of the insulated barrier is great for adding thermal mass to the inside. Having all that masonry inside probably helps regulat

Having a stone wall on the inside of the insulated barrier is great for adding thermal mass to the inside. Having all that masonry inside probably helps regulate the temperature nicely. I suspect it's more expensive to do it that way than to use wood studs and batting between them. (Of course it depends on the region you're building in. Wood is cheap in North America, maybe not so much in other parts of the world?) And because earthquakes are also plentiful in California, we don't want our walls to be too heavy. Tensile strength is more important, as well as flexibility.