This is an excellent point and a perspective I hope more free-market learning people (such as myself) come to appreciate. Although making externality influenced descisions in when factoring in your own energy expenditure and limited resource allocation, it may be a luxury of those of us in the 1st world and nearing the top of maslow's heirarchy.

Some climate change reducing habits can be cost-saving though. Such as biking vs cars, reducing meat consumption, long-term investments in solar power, etc.