It’s not easy insulating old houses, getting into all the neuks and crannies. The people who know those best are the inhabitants, so there should be more incentives for DIY solutions. Also, such houses were built to be heated one room at a time, not for ‘modern comfort’ with thermostats and open doors, so expectations could adapt - really cold-blasts in western europe only last a couple of weeks. Alternatively ‘heritage’ expectations have to give, to cover exterior walls. Traveling further east in europe, you rarely see bare brick walls, they are always painted (with insulation below).