IIRC there is a limiting factor with (ground-based) heat-pumps, though... the in-earth elements can't be placed too close to each other before they lose efficiency badly through competition for the same heat energy stocks. (Somebody who knows more about this should correct me.)
The same could be said of 99% of building code requirements...and it adds up.
Shock! It turns out that doing it right at scale just isn't much harder, and pays society back in spades over the life of the building.
The paper is say that those who have more money pollute more and consume more resources. Your solution seems to be to let people with more money consume more resources, rather than building more efficient buildings that reduces everyone’s resource consumption.
Wouldn’t it be more productive to centralize an efficient form of power generation, and let the consumers choose how much they can afford to pay for through their electricity meters?