We need to stop shopping at Walmart targets. Starbucks, stop buying Dunkin Donuts. We need to stop paying for parking. We need to stop paying insurance.
We need to stop using their services, but nobody is willing to stop.
Discussion
You're right.
Switching from the convenience shops to something more sustainable is doable, just the work of changing old habits.
The harder thing is to stop paying insurance, taxes, and so on. In reality, we can do this collectively, for just long enough to create a spark of change, but few are willing to keep that going if individually singled out to carry the losses/pain of that action.
We're too comfortable, and that's not necessarily a bad thing, just that the time for real seismic action isn't here yet.