this is key- peiple often think market will just magically adjust to most efficient solution, bur incentives must alight. For example UK is one of the richest

this is key- peiple often think market will just magically adjust to most efficient solution, bur incentives must alight. For example UK is one of the richest countries in europe, it has the most expensive housing in europe and it has the worst insulation in europe. Landlord has no reason to imprive insulation, the tenant pays for utilities