In the absence of that, individuals aren't taking actions that could help (or reduce harm) either.

There is no way for individual action to solve climate change, that's just a way for business to place the blame and guilt on us. Solving climate change is necessarily a collective action problem, which is why I believe we aren't going to solve it. We're too selfish and unwilling to take the drastic steps we need to take and it's only going to get more difficult to solve the problem. We're all trapped in a car that's starting to smoke and make unsettling noises, yet we're cheerily driving along hoping that it will be cheaper to fix later if we ignore it now. The car is going to break down soon enough and we're all going to be stranded in the desert until we expire.