That has been my experience as well. While the energy tax credits are nice, they help to pay for any improvements, it is mainly about health and comfort. Most of my callers are young mothers and are concerned about their new kid, mold, cold drafts, colds and the flu and all. The energy savings and the tax credits are, mostly, just cream.
One other avenue that I have been persuing. For new construction, many times the insulation was installed improperly. The builder claims that they used the proper materials, with regards to R values. I am hired to do an independent evaluation of the functional R value and find air intrusion problems (easy to do with just the IR camera) and document it. If given to the local building dept guys, they can (and do) order the builder to make the insulation compliant.
Remember the old inspector verbiage, “Not performing as designed because of improper installation.”
Then, some times, the builder hires me to supervize the new install.
Hey, money is money.