Regardless of whether one believes “collective action” is desirable on a global I don’t think it’s possible. I think our policy and planning focus should be on adaptation over trying to fight against the changes that appear to be occurring.
Human beings adapt. We are now a technological species, and can alter our surroundings to quite a large degree. As things change, we should be working toward improving lives - our own and those of others - and better positioning ourselves to exploit the advantages that our future holds.
I actually only think things will be done once insurance companies start accounting for costs here.