Underfloor heating is not unnecessary, in fact it is about 10% more efficient in operating cost[1] as it can operate at lower inlet temperatures (30-35 °C, compared to 60+ °C for conventional radiators). In addition conventional radiators are often placed on the outside-facing wall below a window, which means that much of the generated heat gets lost.
As for the installation costs, for new construction conventional radiators and underfloor heating are approximately at the same price level.
[1]: https://www.t-online.de/heim-garten/energie/id_73373816/fuss...
I’m may not be impressed with their blasé attitude to money, but I bet I looked more wasteful than that to a Nairobi friend of my partner when I visited on a plane ticket that cost half their annual rent, £350.