Individuals could do a lot, like voting for green candidates for starters, or stop flying, stop driving cars, stop their meat & dairy consumption, stop their excessive overconsumption of goods (throwing away perfectly fine things to replace them with the newest shit), etc. etc.

Everyone loves pointing fingers to politicians or companies, but you could go into politics, you could vote for politicians who want to change things, you are the one those companies produce their shit for.

Real climate action would affect you all on an individual level, and that's something you all do not actually want. So you all shove the issue away, not for future you but future generations that won't even have a choice in the matter anymore.

If you want to feel bad about people buying expensive beach front houses, then you do you. But we've been warned about this for literally decades now, about half a century for real precise warnings - even longer for the potential repercussions of blasting greenhouse gasses into the atmosphere.