Bridie22
You must move in elite circles Monica, how fortunate you are, spare a thought for those less so.
I stated earlier I can easily count 10 people who are living in an inadequately heated condition, due to lack of sufficient income...not that they just choose to do so.
I said it included people with incomes below £20,000, but receiving benefits. I know their houses are warm because I visit regularly.
When I worked as a benefit advisor, I visited a lot of elderly people living in poor conditions, but often the problem was not excessively low incomes but a fear of spending, in case they ran into trouble later. The rainy day fund that isn't touched, not even on a rainy day. Quite often the unspent rainy day fund was too large for them to get benefits and when they died got distributed around the family.
There is a lot of help out there for pensioners on very low income, including insulation grants, heating grants and the like, but too often people do not know how to access them or do not want to, for a variety of reasons.
If I knew anyone who was in the situation you describe then I would direct them to Age UK to find out what help may be there for them and in many cases get them onto the means tested benefits that they are entitled to.