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@MrE
Some do, or at least did. Many of the older houses in Bridgnorth have caves and underground areas used as living accomodation as recently as the 1950s. Our house had four, the largest of which had 'cupboards' and also a fireplace and chimney cut into the sandstone. Mostly it was too damp for living though I guess continuous heating would change that.
We used ours as low light gardens / grottoes with one as a work area and one as a store, but some of the neighbours were more adventurous - see https://www.bbc.co.uk/news/uk-england-shropshire-35355359 for example.
Having worked in coal mines, and later in life owned caves, I would imagine the main answers to your question would be social reasons and Vitamin D, though it doesn't seem to be a problem in Trôo.
FWIW I've grown out of any troglodyte tendency and now live in the Shropshire Hills, significantly above the River Severn and it's flood plains.