In a lot of ways I think the problem with retrofitting insulation is ultimately an economic one. The technology has been there for decades and it has always been a cost effective. So I've puzzled, for more than 30 years now, over why isn't it done? The answer I think is, it's not profitable enough. The people with serious money in this world expect a certain rate of return and so the money only goes to where you can get that return.
Some of it is to do with the way people talk about it. Often the value of insulation is expressed as a pay back period. Roughly 3 years for draught proofing, perhaps 10 for cavity wall insulation, 25 for double glazing, say. I think it looks very different if you express it as a return on investment. 33%, 10% and 4% respectively.
It also comes down to marketability. Daniel Kahneman, who got the Nobel prize for economics in 2002, put it in his book Thinking Fast and Slow I believe (and I keep meaning to get round to reading it). Slow thinking is the explicit rational argument that shows insulating your home is a no-brainer. Unfortunately purchasing decisions are generally made by Fast thinking. So double glazing has an immediate appeal, and it's the one aspect of insulation that is marketable and has a fairly solid industry and widespread respect. The rest doesn't give you anything immediate so is very hard to sell and the materials are essentially so cheap it has to be sold on price. The result is often poor quality work and bit of a field day for cowboys. In general a bad reputation for the insulation.
So I quite agree badly installed insulation often causes damp problems. In fact in the four years since I had my walls done I've had two people come to the door offering to fix any damp problems. Which means there's another level. An off-shoot industry making money out of fixing the bad work. And incidentally exacerbating the bad reputation.
Which doesn't alter the fact that getting insulation well installed is great value. And going to get greater value as energy costs inevitably rise.
PS
I completely agree about dehumidifiers. I've been using one to dry my washing for around 10 years.