I think they're trying to say that insulation (and probably other factors) is not just one person's problem but an issue of a huge scale, which is true. If solar works for you, then that's great, but for a lot of people (the majority?) it wouldn't work, or at least not without spending a very large amount of money to retrofit your house for it.

I think it's a good point even if stated quite poorly.

Let me put it this way: is me having solar panels making things worse for "the majority"? If so, how?

Because it sounded like the usual trope that if a solution does not fix all problems for all humans everywhere, than it it sucks and the person doing what they can is a naive fool, if not a straight up villain.

That is a very strange question. Who in this discussion has said that you having solar panels will make it worse for the majority?

What comments in this discussion are saying is that solar panels won't be cost effective, for some or possible the majority of people.

I was responding to a very specific comment.

As for cost effective - subsidies. Big fat subsidies, especially for the poor countries. There are more important things than cost effective. We're all in this together