This is the tarpit of market-based solutions: debating endlessly about who bears costs, instead of just doing collective things collectively. And if you do have markets, every middleman and their dog will demand their slice of the pie.
I also disagree with the tactic of shifting responsibility to the individual to avoid doing anything where it actually matters. My individual contributions to climate change are negligible, this is a collective issue. We need to get industry and corporations in check and the only way we can do that is with heavy regulation.
What global warming does is destabilise the equilibrium we had in the global climate system, and one of the outcomes of that is more extreme weather. That means for example longer and drier droughts which obviously contributes to wildfire risk.
In short: you hint at tryanny.