That's exactly what rich assholes have to do with it. Why do you believe all the consequence falls onto the working class and the poorest, when the richest have per capita the largest emissions, by whole orders of magnitude?
Yeah, the changes required are systemic and go from the top all the way to the bottom, and the things you mention are part of that process, but pricing people out of everything without offering an off-ramp is sadistic bullshit, and the only reason it's a thing is because rich people and stock prices have more representation in politics than the poor and the environment.
Who cares about per capita emissions? Billionaires could have 1000x the emissions as normal people, but there are so few of them, cutting their emissions down to zero would have absolutely no impact on climate change.