Not sure what you mean by "no impact on ordinary people's lives." The evidence we see seems to suggest the exact opposite.
We're seeing a massive uptick in the amount and intensity of "once in a century natural disasters." These disasters destory homes, destroy crops and cause serious life loss and economic damage to everyone directly affected.
But these disasters also lead to the downstream effects: We're seeing significant inflation in food prices and insurance prices. In Canada last year, vegetable prices increased by ~16%. In comparison, inflation was ~2.5%. Throughout the world we see higher prices in food - this makes everyone poorer. Especially "normal" people.
Similarly, we're seeing insurance rates go up. This is for insuring farms, for insuring houses and anything else that is affected by climate. This is a real economic cost. Moreover, if your home is no longer insured from flooding - when that more frequent and devastating natural disaster happens, you're not covered!
We have all these hidden "taxes" from climate change that affect us all.