"Hey, do you know why the English run their water pipes on the outside of their houses?"
"No?"
"It's so that they can get to them easier when they freeze!"
And then everyone laughs.
...and then years later you visit England, find out that it's actually true, and then you cry.
It's pretty eye-opening how terrible the insulation standards are outside the Nordics. It's one of those things we take for absolutely granted, and then you realize that absolutely no-one else really does this.
This video made the rounds a couple of years ago:
https://www.instagram.com/p/B2zi5GKFCf_/
Everyone from the Nordics commenting on it went "aawwww, how cute!", everyone else went "OMG THE HEATING BILL!!??!??!"
No, look at how the snow is piled up against the windows without melting. Those are quadruple-paned insulated panoramic windows. They do not leak heat.