Well, people washed less, and washed their clothes less for starters when they didn't have on tap hot water. Like once a week for bathing. My mum had one school skirt and it was sponged down. Likewise shirts often did have sweat stains and not smell amazing, but everyone was in the same boat (she's not quite old enough to remember detachable collars!
If you have a once weekly bath and hair wash, and have musty clothes, then that's the consequences of not having the heating on or drying clothes properly.
The thing is in the past everyone did this, so having quite greasy hair, or not smelling the freshest was common. Now everyone has moved to daily or every couple of days bathing/showering and washing clothes much more frequently, we have higher standards of what we expect from others- we don't expect them to smell of BO or have greasy hair (which I remember vividly from my childhood).
If you go backwards in one area, it will impact on other areas which have changed drastically in terms of social norms. Shampoo from the pound shop is much cheaper than shampoo used to be, so in some ways some things have got cheaper, and others more expensive.
If you live by yourself, I think you can just about get away with minimal heating if you are not a sweaty person (so don't need endless clothes washing) and boiling kettles to wash and do your hair. If you have a family this isn't really feasible, even just in terms of time. I've done it as a single person, it's miserable but doable, but for little kids, I would rearrange a lot of my finances to prioritise them being warm, and fed- even eating pretty crap food and being a bit warm is better than having ok food and no heating, and I know there will be some families where it is genuinely a choice, but for many it will not, it will be a question of reorganizing priorities.
Lots has changed, not just CH. I don't think just saying, well I won't have heating is really an option for very many, given the negative consequences.