One of the illusions of capitalism is externalized costs; hidden real costs that aren’t included in the price, expecting someone else to pay them. A variation is ignoring future costs not calculated into present prices. For example, our house was built in 1979 with the required insulation of R-11 in the walls, R-15 above the ceiling, and a large heating/cooling forced air system. This minimal insulation reduced the initial housing cost, but requires decades of increasingly expensive energy costs to heat and cool. A friend built a house in Cotati with R-50 walls and R-100 roof, for an extra 10% in construction costs. During the recent very high heat, the house stayed at 75° with no coolin
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