This can happen if your pump speed is set too high or if the pump speed is correct but the system resistance is too high, which I think is the case here. If you live in a hard water area it's amazing how much lime scale can build up in a heating system and related pipework. It sounds like the resistance is become higher over time which is why your in-laws have been increasing the thermostat gradually to compensate. They have a smaller flow of hotter water as opposed to a large flow of cooler water in their system to give the same heating effect. As for the cost it depends on how much of the system is effected. I live in a hard water area (South Bucks) and have got a water softener fitted now) to help combat this.