Something frequently discussed with regard to climate change, e.g. in the latest IPCC report, is that it's up to governments to shut down coal and oil power plants and provide financial aid to poor countries so they can also do so.
However, hasn't it been governments that have been consistently failing us? Or rather, oil and gas companies failing us, and governments not standing up to them, or helping them? For example, I want to divest from coal and oil, but my country's pension fund, which I'm forced to contribute to if I work at most jobs in my country, is forcing some of "my" investments to be in oil and gas:
https://www.cbc.ca/news/science/pension-funds-ties-to-fossil-fuel-industry-1.6781293
This makes me ask: is it possible for individuals or non-government institutions, etc., to provide the money that's apparently "needed" to switch to renewable energy? It's of course possible to buy stocks in solar panel companies or buy green bonds to finance climate-related projects (similar to how government bonds supply the government's debt and lets them spend money they don't have). Could it be as easy as switching some of our investments to raise the financing needed to cause coal and oil projects to disappear? Or is there something to donate to that would cause them to disappear? If governments of rich countries can do that to help governments of poor countries, then why couldn't individuals or non-government groups?
Even just thinking about the coal power plants in NB, what can individuals do to get them shut down? If NB power doesn't have the money to replace them, then shouldn't individuals be able to invest in something to cause them to be replaced? Or at least buy their electricity elsewhere? But because of, again, the connection of NB power to government and not having another place I can buy electricity (other than buying solar panels, if I own a house), I don't see how we (the people) can shut down those plants.
Of course, it would be a lot easier if we could choose what our pension fund gets invested in. And of course, there are lots of other lifestyle things you can do in your life to reduce your carbon footprint, but I think money is one that is often overlooked, and I don't think most people, including me, have much knowledge of how to use their money to fight climate change.
Another option I found is various charities who donate solar panels to people in poor countries, or their communities (e.g. to power hospitals). That helps people as well as reduces their reliance on fossil fuels. I don't know what the best such charity is though.
