If you had $5000 that you wanted to use to fight climate change, and you wanted to have it have a bigger multiplying effect than your own personal consumption (install heat pumps, get electric car, etc.), where would you put that, given that most carbon credits seem to be scams? That is, what's the least-scammy carbon credit, and/or place of concrete change? Places I donate to, but wonder how much the effect of each…
Start buying reusable and BIFL goods and avoid everything disposable. It's expensive, but worth it for more than the planet. We need to have a lot more focus on the reduce and reuse components of the solution. Most of what we Americans buy is cheap disposable nonsense that shouldn't exist.
My cynical outlook is that the organizational behemoths with millions of funds to throw around buying carbon credits do not want to bolster regulatory mechanisms, even in other sectors, for fear of their own sector becoming more regulated. There is a conflict of interest there.
And I don't particularly buy into the 'let's all individually make better choices' solutions either. Has consumer-side activism ever worked? On the other hand, look at the effects of historic crackdowns like the Montreal protocol regulation of chlorofluorocarbons and The Clean Air Act and its ban of leaded gasoline.
https://en.wikipedia.org/wiki/Montreal_Protocol#Effect
https://en.wikipedia.org/wiki/Clean_Air_Act_(United_States)#...