What is there to discuss? If you have the ability to move away, then you move away, done.

We aren't discussing this particular group because we're a too emotional to think straight. We're discussing this group because it's the one that will bear the brunt of the suffering and it's the one where there isn't an obvious "just let them figure it out and it'll be fine" solution.

You’re both undervaluing and overvaluing collective action at the same time. We know from experience with people in disaster-prone areas that the majority aren’t going to do that. They’re going to stay, and when the disaster comes, it will be a huge problem and they’ll demand the Army Corps of Engineers performs some miracle to help them.