At a time where the economies seem to be collapsing from easy access to the wrong types of credit (Sub prime mortgages, personal debt), I wonder if we have access to merely the wrong type of credit?
Access to sustainable building credit is hard, and many things wrong with it - perverse incentives when developers build houses that they will not be responsible for the running costs of. Individuals are no good at evaluating the trade-offs and probably have insufficient information in even the best case. Why is there not high profile pervasive involvement with house improvement credit schemes (maybe, given the practical fact of home rental, one should even be able to get kickback from future energy savings even if your efficiency renovations are to a house you no longer live in?)