That's not being rational, that is being individualistic and short-sighted in name of greed/saving cash. Rationally you want to keep the Earth viable for human populations, for at least the sake of the future of your family if you are that individualistic.

Not on the individual level, free-riding is perfectly rational if you goal is to maximize your personal wellbeing, wealth etc.

Perhaps the issue then is the hyperindividualisation after the atomisation of society.

To my mind it's not perfectly rational to maximise my personal wellbeing and wealth in detriment of others, maybe I have a collectivist sense higher than others, maybe we should instill that across societies.

The 20th century went too far with the me-first approach, we can see it's not really working for societies.

You will pay for it anyway, in terms of increased taxes or insurance rates to pay for areas damaged by climate change, increased food and housing costs as useful land shrinks, and to pay for the upcoming climate refugee crises and ensuing wars. Pay a little more now, or pay a lot more later.