Some things are easier to change than others - and the really hard things often don't require money, but a change in people!
Edit: Sorry for the shitty OP, I should have known better than to post in a hurry.
It reads as if the population is primarily responsible for combating the climate crisis, while industry and government are off the hook because money has little effect.
What I actually meant to express was that technological adjustments that only cost money are easier to implement than changes to people's habits. Perhaps this is a naive idea because it assumes that there is the political will to make these investments and that the industry is forced to cooperate accordingly. Addressing the climate crisis requires many changes, and economic profitability must be secondary. But achieving this is perhaps one of the most difficult adjustments society requires.
This is the CRACK ADDICT model
The dealer is constantly selling crack without shame and impunity.
Users keep buying and taking the crack.
Everyone blames the user for not quiting crack.
In case anyone is wondering about my metaphor, industry has lots of power and they produce a lot of pollution in order to give us the junk we think we want to buy. They have all the ability to take on more efficient and environmentally safer solutions but they don't because it will affect their profits. So they shift the responsibility to us and tell us that we need to stop buying this stuff and they'll stop making them. Unfortunately we're hooked on this stuff and they know it.
They're blaming the junkies for making them sell the stuff that is destroying everyone.