Most people already do agree on what's "good" and what isn't, and yet they (rationally) choose to put their money elsewhere, because they have no guarantee that everyone else won't freeload off of their contribution. If I invest $100 in protecting a public good (like the climate), I only get one seven-billionth of the benefit; the rest goes to all of the other people on the planet. So I'll only invest if everyone else chips in, too.
The easiest solution to force cooperation like that is called ... taxation. The more difficult, but perhaps closer-to-ideal solution involves more math, see e.g. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3243656