I think you are right-on here. I am a CPA and have completed several energy conservation projects around my house over the years. Most recently sealing and insulating the ducting under the floor in the craw space. This is hard and painful work to say the least. At this point in cycle of higher energy costs, only the highly motivated folks take on this kind of self abuse.

I'm driven by the fact that more dificult times (higher energy costs) are just over the horizon. The populous is just to busy to care at this point.

I am also riding my bike to work and have made it part of my routine.

For now, only the driven are leading the way. The rest of the folks will need to evaluate their own tradeoff's before they make changes on the personal energy consumption.

I have been undergoing a conservation effort on my home for about 2 years now, reducing gas usage for heating by 1/2 and reducing electrical use by about 40%. Yes, some of the air-sealing in the attic was not fun but seeing the reduced heating and cooling bills are rewarding. We use less than 1/2 the electricity of our neighbors and far less than 1/2 the natural gas for heating.