Concrete apartment blocks are a very capitalism fixture. Shoving a much poor people into an area as possible to extract more rent since each apartment has to be cheap enough for them to sorta afford it.

Yes. I live in a hot area of the US. Walls and ceiling need insulation so you can keep the house cool. Usually by Air conditioner. Attics a lot of time are under insulated so cause a the AC unit to work harder to keep it cool. Attics are not livable or a good place to store stuff. Where I live most houses are built on concrete slabbing so you don’t have a crawl space under your house.