To be fair, I say this not to demotivate you, but to point out that the problem isn't innovation, or money, or as many in this country seem to think, immigrants. It's not even landlords.

The problem is that we've organised our society around the wrong incentives. If we're serious about fixing this problem (and I think your "NIS" is a great idea!) we have to approach it with the understanding that building an NIS must start ith abandoning our bad models and ridiculing those that insist it can be done within the existing system.

We don't necessarily need a communist revolution, but we do need to be honest about Why We Can't Have Nice Things and begin the work of building systems that allow for them while dismantling ones that prevent them.

I'm sure it's the fault of the Romanian and Slovakian cleaners, or the family who run the takeaway place I pop into late at night when I'm stumbling home from the Witherspoon's

You're ignoring the GDP effects of constant consumption in the form of gas. GDP is not a measure of quality of life, let alone a good economy. It goes down as you reduce consumption.

Heat pumps are a one time, up front cost, and their installation & maintenance is minor compared to the massive, 24hour spend on running a fossil economy.

Yeah, I don't think the cost of energy used for heating/cooling contributes to GDP (or if it does, that's dumb).