Maybe we need to start digging. I wonder if living and working mostly underground (not, like, hundreds of feet but rather just beneath the surface) wouldn’t help keep us physically cool naturally and cheaply but also help reduce emissions and energy consumption since there would be less need of air conditioning and heating. Not entirely practical for a lot of the planet—coastal areas come to mind—but even if those that can do it did I’d think it would make a difference.
Though, I guess this also highlights that it would mostly be the rich that could afford to do this. I suspect submerged structures are more expensive to build and maintain than conventional buildings.