Or maybe they are living in rented accommodation / keeping bills down / thinking of the environment / don't have the outlay required against how long it takes for these things to "just paid for itself"... to quote a quote. Said with a smile on my face!
My elderly grandparent inlaws have all those problems - circulation problems, and all the rest that goes with being in their 80s. They don't have aircon and basically have to heat one room in winter and use electric blankets and heaters in their bedrooms. It's what they are used to.
I do think that the layers thing is a valid point but I also said I don't like it either!!! Just that we aren't in a position of being able to match our warm house in the UK. But I really don't understand why Australian houses are, in the main, (except for the ones being built now with better specs!) not insulated well. Makes sense in summer as well as in winter!