Friendly reminder that we have already identified and largely fixed a climate change problem, the depletion of the Ozone layer, and we can fix other problems too:
The Montreal Protocol is considered the most successful international environmental agreement to date. Following the bans on ozone-depleting chemicals, the UN projects that under the current regulations the ozone layer will completely regenerate by 2045, thirty years earlier than previously predicted.
Apple discontinued its own Apple Pay Later service in favor of just integrating third-party payment services, like Affirm: https://9to5mac.com/2024/06/17/apple-pay-later-united-states-ending/