That's a uniquely American perspective.
Japanese homes often don't have space heating. The Swiss often keep their homes at 20°C in the winter.
Most of the globe doesn't travel everywhere by car. Arguably it's the intention to remove pain as much as possible which resulted in the opioid epidemic.
There's a point at which trying to get rid of inconveniences becomes harmful.
Chicago building codes require 68F as a minimum for residential in winter conditions, so I think that's reasonable as a "habitable minimum yet not necessarily ideal" benchmark: https://www.chicago.gov/city/en/depts/bldgs/supp_info/chicag...