The part about carbon credits is financial engineering that inverts the incentives and the political resolve of most economically lagging regions of the world (the most polluting ones) to do anything about the above - because it is political and religious. Religious as in focused on redistributing resources based on beliefs - akin to buying away your sin in Catholicism, and political when it is ignoring the fact that a lot of climate regulation in developed world simply outsources the dirty work to the undeveloped/developing world for the lower cost of production, thus not actually helping the planet. Or that politicians of both camps are heavily backed by the two dominant energy production camps and reliably fund whoever is backing them with regulation instead of building engineering solutions to mitigate the wider range of risks for people.
The world needs low cost ways to move housing, redirect water, feed people, provide energy, find and plan for regions at risk, identify and contain outbreaks, all engineering and social problems, as soon as physically possible. The religious and political fights that are happening instead make all of that less possible and even impossible when it shouldn’t be. The short term thinking is leading to politicians pulling the rug on a still not completely outlined problem in their own favor, instead of preparing 8 billion people for resilience and education to re-architect us into a better position for survival in the face of change.
People with the technical understanding of what is needed need to run for office and communicate what is needed to the world.