As the article says, this problem has several layers.
We have also energy problem in my apartment in Riga. State offers us something like 70000€ to insulate our 120 year old hause. The catch is, me and my neighbors have to pull that money together, do the renovation and after the fact we are reimbursed. But dude. Who has such money laying around!?
@Melchior@feddit.org and @e8d79@discuss.tchncs.de I did look up our loan options and we were denied for two reasons: