Brits, Dutch, Belgium, Northern Germany. They all have this incredibly outdated building style that they refuse to change. Bricks with no insulation. I live 1000km to the south of them and it is pretty standard for us to have tripple pane windows and thick insulation on our houses. But they for some reason prefer to live in cold houses during the winter and overheated houses during the summer.

I have had multiple conversations with people who lived a while in that area. Rich, educated countries, modern economies, but they live like they are poor farmers in the 19th century.

And make a bathroom practical and enjoyable. Sink with hot and cold tap, electric water heater in shower, come on...