I wholeheartedly disagree with the notion that individuals cannot make a difference in the climate crisis. We must rethink our own systems thinking and adjust to small, but new, changes in our ways of living. I think one hurdle in this idea is how disproportionate people's daily living situations are. Some don't even have access to anything other than things that require the use of non-green practices. I think possibly a better solution is to create the green bank with businesses in mind. Funds collected will be allocated towards sustainable and equitable causes that address those in the most need. I praise your idea, being willing to address a system that no longer works in the context we live in.