I like what you're thinking about geothermal; it sparked a few thoughts, though: Geothermal is expensive because of labor, not necessarily price gouging. Most installers (in my area) put a 10% mark up on everything: finding competent installers is harder and harder these days, so you're paying more and more. HVAC techs can make six figures if they have the experience and aren't afraid to negotiate. Unless, of course, they ARE price gouging, which happens, especially if they're already busy (which has been the case for the past three years).
The technology is solid, though to be frank, a high efficiency air-to-air heat pump will be comparable to geothermal, depending on the climate zone. If we can figure out a cost-effective way to replace gas-fired heat in northern climates with something more eco friendly (and consumer friendly), progress would be made.