This cartoon from The Seattle Times illustrates how America's economic pizza is actually sliced per capita, highlighting the massive disparity between the Top 1%, the merely wealthy, the upper middle class, and the lower 50%.
Now you're organizing, like I suggested. But as you said that's very difficult. And that's even the more difficult goal to organise around.
Part of the fossil fuel play book in the 80's and 90's, was the idea of the "Individual Carbon Footprint'. They created that idea, specifically to shift the burden of climate change from them, to the consumer. They did so because they new the collective action need to make change that way, was far more difficult than pushing lawmakers to change the laws.