You're arguing systems and scale. This person is simply early in the adoption curve. Consider what will happen when this happens more broadly. As the climate situation becomes more dire [2], the price of carbon emissions per ton will rise and the willingness to prioritize energy savings and carbon emission reductions should increase regardless of fiat return. Physical system outcomes are distinct from magic number in database goes up.
But sure, if you're already poor and have nothing [3], this won't matter to you and your life trajectory is already mostly locked in today. As nullstyle mentions, we need to compound in the positive outcome direction, and those decisions are being made today.
[1] https://www.nature.com/articles/s41586-022-05224-9
[2] https://www.npr.org/2024/04/09/1243595924/march-world-hottes...