Personal choice is meaningless wrt climate change. It's a topic that cannot be addressed without structural/societal changes, likely by legislation.
Industrial CO2 output doesn't just happen in a vacuum. It's a by-product for manufacturing things that consumers want/need.
Kurzgesagt's recent video (sponsored by bill gates notes)e xpressed the issue much better then I ever could, so i'll only link to it here.
It's a bit like most changes, they take time and sure my impact akin to a grain of sand in a desert, but then I feel comfortable with my choices and eventually over time, such choices will become less open as there will get a time in which government will act.
I'm mindful that many when it comes to change that is impaction can be a case of they don't so why should I and well I don't have too so I can do what I like and the pandemic as been most insightful into such mindsets. Hence we saw laws to enforces common sense in situations that had the people all been responsible, would not of been needed or come to pass. Hence I do expect the whole fossil/fuel/resource aspect of human consumption to become more and more regulated in years to come. Will it be done right is the question or will we just see those who can afford to be feckless, just as enabled as currently.
That's why I agree with you upon this and do foresee that legislation may well be the only way - alas the issue is global and that is a real cruz as when as countries tend to act as individuals and cases of - well they're not so why should we and other unfair arguments play out. So as always the politics becomes more an issue than the issue the politics is trying to solve.
For me gas prices in the UK, what really messed me up was the standing charges (daily charge for infrastructure) circa 2006 they doubled that but lowered the unit price which for the average family of 4 usage, worked out as a saving of £100 a year. Though as a single person, that change cost me near on £100 a year in extra standing charge and a saving of unit cost of £20 a year. I just find it annoying how most fuel usage pricing can and does actually penalise responsible low-usage users. Sure the more you buy the cheaper things get but when you get to climate, wear and tear upon the infrastructure - those users who don't have to worry about the money or have any care are reward by a fixed impact cost upon infrastructure - even if they use 10x more than somebody else - they both pay the same. Then the more they use - then costs become cheaper for them.
Pro-tip - slow baking a baked potatoes in the oven is a good meal that also warms the home so double usage of that fuel.
What would I change - well I'd quota people - additional quota's for medical conditions and other variable but the gist would be - fuel you use up to that quota then you pay X price per unit and the standing charge is dropped and worked into the price. Now, after you use your quota - you pay extra per unit of fuel. That way those who do the most impact are more fairly paying for it. Sadly it won't happen, but then - some serious action is needed upon climate change.
FWIW when I was more fiscally able (energy usage less than 1% of income)- my fuel usage was the same heating wise - always been a jumper if needed and going for a brisk walk does wonders for feeling warm.