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Personally, I don't see how people can let it go. We bought a very old house, and one of the first things I did was to insulate the heck out of any place I could. It is such an easy cost savings.
We have an old stone wall basement. There was no insulation on top of these walls on which the house sat. Right there, around the whole house, there was only wood and siding between the inside and the outside. I stuffed insulation all around, and the basement is toasty now. the house went 100 years without that simple improvement.