Yep, you nailed the biggest problem. No single person can individually make decisions on those time scales. Future energy costs, interest rates, climate trend

Yep, you nailed the biggest problem. No single person can individually make decisions on those time scales. Future energy costs, interest rates, climate trends, technological changes, and urban planning all need to be factored in. There needs to be a financing system that packages all this together and offers homeowners a simple low-interest construction loan that is cheaper than their energy bills.