Ductwork is leaky, especially at connections and vents. Leaky ducts suck the bad air, dust, and allergens, in from your crawl space and send it back into your home. In addition, the ductwork is subject to the temperatures and environment of your crawl space. Therefore, the duct lines, with little or no insulation are typically the same temperature as your crawl space. In the summer you could be sending 55-degree air through your ducts to cool your home down, but your ducts are 80-degrees, they are warming the air you're paying to cool and delivering warmer air to your home, making it harder to cool down. The reverse is true in the winter.