You have to coerce the individual to follow the strategic direction despite tactical disadvantages. This is what leadership means.

If we all individually spend more money to accommodate the effects of climate change than their causes, then we are wasting enormous economic resources.

Sure, but local is a radius. There's my local, then there's my region's local, then there's my country's local. As wonderful as globalism sounds on paper, if saving the global average leads to a drought or a flood for another country, or another region, then you are trying to convince others of giving up a lot for no tangible relevant gain.