Most people in Germany can't afford to buy an apartment let alone build a new house and you're taking as if your situation si representative for the average German.
Just because you're wealthy enough to afford a new EV and to build a new modern house, doesn't eman Germany has no problems.
You're proving the point that ecology is a tax on the poor, as the wealthy can afford to buy EVs and build new well insulated homes with solar panels and heat pump making their running costs super low, while poor people who can't, will own older ICE cars and older homes that are much worse energy efficient meaning they'll pay way more in running costs than the rich despite having less income leading to ever increasing wealth inequality.