"Individual actions don't matter" would be overdoing it, but spontaneous "lifestyle" change can never be more than a minor contribution to change. The reason people emphasize system transformation is because it really is needed. That it looks unlikely to happen doesn't alter that fact.

I agree it's unlikely, but if it were to happen it obviously wouldn't be initiated by 'governments and politicians'. It would come from populations, or significant portions thereof, pushing them in the right direction. Hence Extinction Rebellion, the school strike etc. I suspect though that the last century or so of corporate propaganda has captured enough people to make it all too little too late.