You can install the greatest HVAC system ever built, but if your house is not insulated well, it's only going to end up costing you more money. Older homes may have fiberglass insulation that has broken down due to pests, moisture, or improper installation. Spray foam insulation can be damaged by careless repair or modification work or can be improperly installed. If your insulation in compromised, your attempts to save money and be comfortable will be in vain.
Fuses -- Anyone who has worked with electrical systems knows all about fuses and how they fail. They can burn out over time, may just be loose, or can blow out during an electrical storm or due to overload from another failed component. Of course, that's what they're supposed to do; they stop surges from going through and damaging the rest of the system. When a fuse fails, whatever system it was protecting will stop working.
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