by far the largest federal budget outlay is for entitlement programs: medicare, medicaid, etc. your premise is kinda faulty.

if it is possible, a hydronic slab would work wonders. cold floors kill those spaces in cold weather. pity to insulate and still have it be uncomfortable.

spray foam for vapor barrier and insulation. only way. is it slab on grade? when i did mine, we laid down 1” of pink board and poured a new 4” slab with hydronic in it. revolutionary.