Even worse, as you say it creates two class of people based on money: The ones that can afford the green-washed toys and the ones that cannot and are now blamed for "polluting".
Real change is going beyond single occupancy car for example, or reducing over population on the planet. But those are mainly economical changes that nobody wants to conveniently talk about because those are actually hard. Buying solar panels, walking to work or taking shorter showers are conveniently nitpicked easy metrics for feel-good effect.
I already linked this somewhere else but the only thing that makes me feel sane about the environment is socialist organizing. we have some people in the bay area, check it out: https://www.socialistalternative.org/2019/08/08/climate-cata...