The big four are buildings, electricity, transportation and agriculture. The typical consumer has no influence on buildings, because they rent. They have a little influence on electricity, because they can choose to buy greenwashed electrons, but they have no influence on energy policy. They have yet a little more influence on transportation, because most can choose not to fly, some can choose not to use a car (or at least use an EV if they can afford it). But they have almost no influence on, e.g. public transportation infrastructure, charging infrastructure, cycling infrastructure, or city planning. Only in agriculture you can actually make a difference in your emissions by eating less meat, but there too there is no path for the consumer to carbon neutrality.

Overall, a conscious consumer can maybe cut their carbon output in half compared to their peers, but their actions have no path towards actual carbon neutrality. That is a problem that needs to be tackled by politicians.