If your previous houses were in Alberta, the building code doesn't really deal with that issue, so it's pretty much left up to the builder what they do.
What we used to do is hang a layer of poly down from below the floor joists and slice some openings in the vapour barrier, above the outside grade.
That way, the insulation spaces could still breathe and would be exposed to the "drier" portion of the foundation wall.
It wasn't perfect, but it was better than leaving the insulation and studs fully exposed to the "wet" portion of the foundation wall.