In democratic nations, government actions are collective action, and so they have the same problem. In non-democratic nations those in charge are often the beneficiaries of the status quo. I'm not hopeful for government action either. People want a quick fix with little loss in living standard and few changes. That tells me that either we won't notice the incremental changes enough to act, and we'll ride this to the end, or we'll wake up and suddenly fund a massive but cheap climate engineering project that will work, but have unintended consequences, like iron fertilization of the oceans for albedo impacts. Worst case we go snowball earth and kill everything instead of just ourselves.