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Have you ever been in a typical, modern European house?
Sadly (for the US), on average every single point on your list is true.
Just look at the places in the US hit by catastrophes. Basically, nothing but maybe foundations remain. If there is a fire, they usually add their mass to the fire instead of resisting. If a fire actually reaches a European town the damage is quite lower than what can be regularly seen of in the US.
And yes, Americans are wasteful. In so many regards, it is not funny. Living in suburbia and driving gas guzzling trucks where a normal car would more than suffice are just two examples.
European windows (and the general thermal isolation of houses in Europe) are way better at keeping cold and heat separated than even the better insulated cardboard boxes Americans call "houses".
Do you understand Q = C~th~ Δ T?
And most Europeans deal better with humidity (and heat) because they are used to it.
No you've got your bingo card full, go home and whine.