Is it fair? Probably, yeah. But I don’t think it’s an effective way of framing or addressing the problem.
The challenge is always getting enough people to do enough of an action that it makes an impact. It is certainly more effective, in terms of reducing emissions, to target policy interventions at leverage points - like forcing energy companies to adopt renewables by law and banning further fossil fuel extraction.
Personal action can be useful to live in alignment with your values and to provide examples to others for ways to get involved in the climate movement, but we can’t consume our way out of this.
That is not accurate, and doomerism only helps those who want us too demoralized to put up a fight. If you want to be part of the solution to climate change, I recommend doing some reading on what the range of projections and outcomes actually look like.