Probably not a great time for most people to take out huge loans ($80-100k?) for nonessential purchases right as we're entering a recession. Also, the things yo

Probably not a great time for most people to take out huge loans ($80-100k?) for nonessential purchases right as we're entering a recession. Also, the things you listed are "green" but they're substitutions and not significantly increasing standard of living above their alternatives. So to the average person this is a big ask. Of course, any action taken by the government would have much more impact and would be way more effective than individuals trying to tackle this problem.