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.
Decarbonization of industry & shipping should be much more important than individual mobility or heating.