My understanding is the main causes for mould is condensation, humidity and rising damp.
I live on the UK but I'm originally from Scandinavia and mould doesn't seem to be a problem like it is in the UK, yet there is humidity from steamy showers and cooking in the kitchen as well as prime condensation conditions like warm inside and cold/minus temperatures outside - but the windows never have condensation and it's rarely a problem.
Why is this? Maybe a dumb question on my part! Im really curious (also in case there is anything I could be doing to future proof getting any mould).