Something I don't get: Why don't people, for starters, just install a single cheap mini-split (with a reverser valve, i.e. heating funtion) in some room? Each time it runs, it should heat up the home at least a bit, which in turn should make the old-school heating furnance's thermostat swtich 'on' less often, right?
Next season, you install another mini-split or two, and go from there?
Sure, it will probably not be as super efficient as a perfect 'heat pump' installation or whatever, but that could be off-set by smart meters or whatever.
But we really need some gradual way to ween ourselved of out fossil fuel addiction.