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You realize there are people in North America who do not own cars, right?
I made ethical consumption choices by looking at my three largest personal (and family) pollution sources.
First is Home heating/cooling. If you rank pollution sources, this is the single largest for most north American people. Now here I got lucky, my area uses almost 100% hydro electric power, so I switched to using a heat pump from a natural gas furnace. Now I no longer directly burn fossil fuels, and my grid is almost 100% pollution free as well. If I had not lived in this area, I would have chosen to install solar panels to offset my energy use as much as possible, and possibly participated in a green energy purchase program. It costs more, but the whole point is that if this were easy, it would already be done. You need to give something up to reduce your pollution, and in this case that thing you're giving up is some extra money.
Heat pumps are a no-brainer in this category, Smaller homes pollute less, multi-family homes with shared walls pollute less, homes with better insulation pollute less. There's choices here for everyone. They just either cost extra money, or give up some of your lifestyle.
2nd most pollution, transportation, I bought an EV a few years ago, which while it does have pollution for production over it's lifespan will have significantly fewer emissions than an equivalent ICE vehicle. Again, my electricity here is almost 100% green, or could be in almost every area.
I wasn't willing to go car free because of how far I live outside of a city, and I accept the pollution that results from my choice here. When I lived in the city, I used to have a bus pass AND a car, and I'd frequently leave the car in the driveway to take the bus for many trips.
Transportation can be addressed in so many ways, moving closer to the things you need, mass transit, EVs, etc. Again, Money or Lifestyle costs.
3rd most pollution, food, I cook with significantly less meat than average, we aren't vegetarian, but we almost never eat beef(which is a massive pollution source even compared to other meats) and our portion size for meat from pork and chicken is more for flavor than nutrition. A single pack of bacon in a lentil/vegetable stew covers 10 dinner servings, compared to a single 5 person breakfast, and I bulk out the protein with the lentils. We eat tofu 4-5 times a month, prepared in various ways, etc. Using less meat actually saves you money, alternative protein sources like beans, tofu(which is beans), and lentils are FAR cheaper. We also buy a lot of our produce from our local area(less transportation pollution) and preferably with less fertilizers (heavy pollution source)
Overall, does it cost more money or reduce your lifestyle to pollute less? Yes. That's the choice that consumers make. You want to have no pollution AND keep your lifestyle the exact same, but it doesn't work like that. Pollution makes things cheaper, that's why companies do it. They wouldn't bother if it was more expensive. Nobody is sitting in a boardroom going: "Man, this coal costs far more, but we need to fuck the environment a little harder so lets keep using it"