My roommate is financially unstable but I don't want to turn the heat off for him.
Why don't you want to turn off the heat?
Because I want to be comfortable.
It is understandable to turn on the heat to be more comfortable. Everybody wants to be in a comfortable environment even if you have no money.
Do you think I am in the wrong here?
I understand you want to be comfortable in your home, that's fine. But you should really should work together with them to make sure you're able to afford these amenities.