Definition: Given a real-life anecdote of a complex ethical situation, generate a suitable title that describes the main event/root cause of the situation. Imagine that the given text is a social media post, and you have to write the title of the post, so the users can decide to read the main text or not.
Input: My roommate and I live in a small apartment. Shared bathroom, two bedroom, open kitchen/living area. We’re in northeast Georgia (the us state) and so temps are getting low. Our apartment hasn’t gotten below 69 deg with heating and air off but yesterday she turned the heat up to 75 deg. I find this really high but more importantly I cannot afford that. That will raise are electric bill drastically, something I’ve experienced in the past. I support myself, pay student loan bills, medical bills, and I’ve been helping my unemployed mom and sister. My roommate is a grad student with no job so she doesn’t seem to have to worry about money. When I let her know that 75 was going to cost a lot because the heat would basically have to run constantly she responded with “it’ll only go up a little and I need to study.” I suggested she use a blanket, wear heavier clothes, get a small space heater, and do other things she hasn’t tried. She told me she doesn’t want to. I told her she can also study on campus where it might be warmer but she refused that. 
Then what really irritated me is she said that since I was just worried about the cost then that’s not a good enough reason. I told her that, no, that’s not my only reason, I also won’t be able to sleep in that high heat and having heat running constantly increases our risk for a fire. But also I don’t get paid much (I’m a research professional at the same university she goes to and just graduated in May) and I can’t afford our electric bills to get higher than the $30 we each pay. 

Am I the asshole here? I gave her suggestions and compromised by agreeing to leave the temp at 70 deg so it will always stay that temp because it’s automatic. I would keep it down around 65 deg if I could to avoid paying for heat but I recognize that I live with someone else. 

telling my roommate that I can't afford for our heat to be turned on to 75 degrees