I got a quote for a heat pump and air handler (already have ductwork) for 24k, insanity.

Not really sure what to make of those comments. I love Not Just Bikes and have binge watched his videos lately, but I really do get the impression that the solution is everyone move to Amsterdam (which is not practical for so many reasons). I've recently discovered the channel "Shifter" and I find him to be more realistic about biking in North America, and a little more positive and recommends attainable solutions (more so than Strong Towns) for the individual.