Usually the boilers are also oversized for houses here. The temperature differential is not big enough and you waste quite a lot of energy through steam.
Finally, the system boilers are also the most common (as opposed to combi-boilers) and for that reason you are not supposed set them below 60 degrees.
Building insulation for one was a shocking factor. It's 2022 and stuff that was considered "normal" in Europe 10 years ago is still a problem in a lot of UK buildings. Worse, it doesn't even require rebuilding - you can improve the situation incrementally, so it should be a no-brainer for a government to subsidize, yet they aren't doing so.
I've lived in social housing in France that was much better insulated (it would be considered "good" even by today's standards) than places here that rent privately for 2k+/month.