Also, it's not just adding insulation. Air tightness is hard problem to address for existing houses.
The average home has 2000 ft of linear cracks. Everything from poorly sealed doors, windows, and envelope. It's like the equivalent of keeping your front and back door open all year around. So even after spray foaming there is some leakage (blown door test).
Really, Spray foam isn't that expensive, you should be paying about $3 -$4 a sq/ft at around a R-21 which is cheaper than most tile or carpet installations.
https://huntsmanbuildingsolutions.com/en-US/
If I were building a house I would probably go with ICF forms all the way up and Spray Foam the attic and basement floor (under the concrete floor). If I were renovating, I would Spray Foam and try to make the job large enough to cover the contractors minimum charge. Even a couple of rooms can really help the utility bills.
Also, if you want close to passive house, you'll need way more than R-21. I would say only use spray foam if your wall cavity is limited and you need the maximum R value.
Spray Foam although rated at R-21 preforms much higher since it seals. Blown in Cellulose settles, attracts dust, rodent nesting, and doesn't seal and isn't a vapor barrier or water proof. You get what you pay for I guess.
We have a house in Northern Ontario that is around 4000 Sq/Ft (entirely spray foamed). The costs to heat and cool it are 1/3 compared to the house 2800 sq/ft house in Toronto (insulated with Fiber Glass, Attic Cellulose).
The biggest hurdle is folks just don't give a fuck about the mechanical part of the house. Dry wall covers it all up. What's important is the finish that you see everyday.