What is the main thing we need? You post a lot about what you don't want without ever saying what should happen.
Sympathies for you health problems but wouldn't a mechanical heat-recovery ventilator work just as well for them? Plus you wouldn't be losing so much energy out of the window.
Is it enough? Really? You wouldn't prefer a warm, cheap home that isn't burning the planet?
And if the current pretty basic certification requirements (energy performance rating above F, heating equipment that isn't killing you, and so on) were removed, that would give a free hand to slum lords to start renting out slums again. That seems far worse.
A famous site near me has fallen flat on its face, costing tens of thousands per home served IIRC. It just can't match the economies of scale of generation farms. How could that change? It seems like the best we can do is for some of those farms to be community-owned, like Community Power Cornwall seem to do.
The main thing we need is education about how to think rather than what to think, at all levels.
Community green energy is what we need to mitigate climate change - where the schemes so far in the UK are flawed this is mostly because funding is channeled into corporate models, in my opinion. Regional devolution would help with this. Wales and Scotland have successful hydro power and more potential for it, as do the Pennines, though on smaller scales, and yes, community owned. We need a strategic plan to site industry where it can work cleanly. The South East has potential for farming. I have said all of this when the issues have cropped up.
Commuter culture has to go, as has the property price bubble. To put that in more positive words we can plan for garden cities where everyone can work or cycle to work, and transport infastructure for moving goods by train or water.
The only thing to stop slum landlords, or higher end speculative landlords, is organisation by tenants to resist them. Genuine social housing has been stolen from us. We should take it back, by any means necessary. Housing co-ops can work, probably even better than council renting, and are a good base for small scale sustainable energy plant. Very local is best I think.
I live in a warm enough, just cheap enough home that isn't burning the planet. This is largely because I am frugal enough with energy. As grants for solar panels were never available in London I started to plan for building my own 12 volt system. I'd rather be co-operating with my neighbours on this though.
