Consensus from anecdotes of crappy badly designed systems. Yeah, lets base policy around that.
Simply design a decent system and it's fine. Even if it's an old house with no great insulation, as long as you fit the correct sized heat pump so its not trying to run non-stop generating water at 40-50degs, and it'll run efficiently.
Fit a system too small and it wont be able to fill the tanks quickly enough so things get cold or the temps demanded from the heat pump go up and corresponding costs go up - badly designed
Fit a system without fitting bigger rads/underfloor heating, then you need higher temps and costs go up - badly designed
Fit a system where the house is leaking like a sieve both heatwise and ventliation wise so the heat pump needs to run continuously and produce 50/60degs water to maintain heat, then badly designed/maintained house and any heating solution will cost a lot.
Any new build where the heat pump isnt working well and reasonably efiiciently is either a real crappy new build, or the system isnt being run properly.