It did for me. 40-year old furnace was starting to sound bad and subsidies locally were excellent; I now have a 3-ton heat pump and my house is fine in winter or summer for far less money than gas. It might have been harder to justify without subsidy, but we do need people to make this shift and a lot of homeowners will not consider things with 20-year ROI.

Yes. It also depends on the age of your gas heating as in Germany you get 20% subsidies when your system is 20 years or older, unfortunately this subsidy decreases 3 percentage points every year so when we are due it will be about 5%.

in my case: 3k at most for a replacement gas furnace, and heat pumps would require new wirings as well. Many things would need to break at once to make it worth considering when you have older homes

New homes with mandated PV and battery, that's another story.

Where I live every house has the wiring for AC anyway, so a heat pump only needs a different valve in the system you will always have (this is about $50 in parts, but they charge thousands extra for it)

I paid for it anyway - my furnace was 50 years old (probably 60% efficient when new), and I have no idea how bad the AC was. That said, for less money I added more insulation to my house and that has a better ROI. (unfortunately the design of the house doesn't allow for even more insulation even though I could save a lot more if it could be done)