While it's true that individual action is a critical part of mitigating climate change, I think OP was referring to the fact that a tiny portion of people control most money and power on earth, with which they could make positive changes at scale and faciliate said individual actions. We need change from individuals, but also from governments and corporations.
Absolutely. And the governments respond to popular pressure. When I say "It's up to us", I mean we should go out, join popular movements and pressure the government.