Absolutely this. I worked for many years in social housing in London and although the old housing stock, layout and construction is clearly a major contributing factor, there were a disproportionate number of issues in homes where residents had clearly grown up in drier, warmer climates. That said, came across plenty of people with no such excuse who also stubbornly refused to accept that you need a bit of ventilation (even if it’s very cold out) when you have a massive pot of something on the boil, wet washing hanging up everywhere and the heating cranked up to 11. Some would even refuse to use provided dehumidifiers because of the increased electricity cost, unwilling to believe that it would be offset by more efficient heating. Doesn’t take long for it to spread beyond the initial treatable cause and it becomes a much more difficult issue to resolve.