Earlier quoted context omitted.
The reason their calculations are so high is because in the US, typical houses are made as cheaply as possible, pretty much with paper, plastic and vastly insufficient insulation. That may have changed in the recent years, but holds true for most residential properties built before 1980.
What a sweeping generalization. Furthermore, unless you're in an area of the country that requires the use of a lot of AC--or you have electric baseboard heat--insulation doesn't even play that much into electricity usage.
On insulation, I'm assuming you mean in areas where AC isn't heavily used insulation doesn't help electricity bills if heat is provided by gas/oil?