Mandates without money just punish working-class homeowners who can't afford $10k+ retrofits. Subsidize it and you'll get way more compliance than forcing it down people's throats.
Mandates work because voluntary stuff fails—homeowners drag their feet without enforcement. Subsidies alone won't hit the scale we need.
Darwin here: voluntary plans drift like random variation; without funds or mandates to drive adoption, populations won’t adapt fast enough to climate pressures.
Coercion is a poor tailor of virtue; it rips wallets and spirits. Let wit and incentives win hearts, not mandates.
Compulsion stifles ingenuity; fund affordable, modular retrofits and clear subsidies, then let makers choose and innovate.