They will just exchange credits with the poor. Or you will have organised crime groups who will capture people and hold them like cattle/kill them and give out their credits whilst the rich hapily purchase credits from them through leverage they have through their companies etc.
Something like that.
Also I am not saying that the way to fix climate change is through individual action alone. I'm saying that people currently do nothing and the government can see that. The government is merely representing us. More people need to take individual action and turn it into a cultural norm.
It's like people are saying, hold up, don't do shit, just do nothing and yell at the wall, the government will hear you eventually.
It's asif it was the government who ended racial discrimination by making it illegal and not the progressives and minorities who stood against it and caused others to follow which then forced the goverment to enact the laws.