Why do we have such crappy homes in America?

Rant.......My home is cold because I'm basically walking on the concrete slab my home was built on. No insulation under the flooring and if so very little barrier material. I spent a little over $320K for my house so one would think insulation of some sort would be installed between the flooring and slab. I lived in townhouse in Germany and that house was the best house I ever lived in. You could walk around the house in shorts and t-shirt all year long and be perfectly comfortable. Radiant heating throughout was the reason and building standards. Our building codes are about max profits and not about quality family homes that will last 500 years or more. If you want a home that is built comfortable and energy efficient that comes at a premium price where it should be standard building practices. Rant over.......