What you seem to be missing is the BILLIONS that O'taxandspendusintoadepression'bama has in the anti-stimulus bill for weatherization of homes, people that are struggling will not have to pay for it, the Government will, (actually all of us who pay taxes will pay).
Also power companies are paying home owners to weather proof their houses to cut down on power use at peak times, trying to cut down on rolling black outs
The people you speak of that are struggling, will love to have their homes insulated to cut down on their power bills, so they can apply the savings to the things you speak of.
AMNE's timing is perfect.