I've asked with the Russian spacecraft specialists about the LZhM and LEK. They answer me about thermal blankets, used in Russian spacecraft. It seems that blankets have many layers. The inner layers are electro-vacuum thermal insulation (EVTI) itself, the outer layer is for protection of the EVTI. The unprotected EVTI is shiny like golden or silver foil. The Americans didn't protect descent stage insulation of their lander, because of weight reasons and low risk of insulation damage during flight, this is the reason it looks like golden foil. The ascent stage insulation is fiberglass protected, and looks gray. The Russians planned to protect insulation on landing stage, not only the living compartment.