> People with an agenda
I guess you could generalize people that believe in the risks of climate changes as "people with an agenda". You could probably also generalize people who believe the opposite that way as well.
Given there is more money to be made (or less to be spent) in maintaining the status quo I'd say it is more motivations for an agenda in climate change denial.
> refer to nebulous externalized costs that they cannot actually quantify. How are you measuring these costs and what are they?
There are a whole range of possibilities here. Some are lower risk, but huge "costs" (world war III, runaway greenhouse effect). Other lower impact scenarios are more likely (more extreme weather conditions resulting in increased storm damage/flooding, uninhabitable areas due to heat/regular flooding, mass migration).
The costs of the worst case scenario are really off the scale. The costs of the less extreme scenario is extreme.
The problem is that for all our science, it's hard to predict the future. And how do you calculate the cost for something decades away that has such uncertainty? It's hard for individuals (or most companies) to build this into their financial models as they tend not to operate on those sorts of timelines, but it is something governments should be looking at.
> Because I see a lot of people making excuses for why we need a government to do everything
That's nice, but you were responding to my comment. I am not making excuses or asking the government to do "everything". I think I was clear in my previous comment, but I will try again: governments need to act to put a cost on negative externalities, which in turn will allow a market to develop, leading to private companies provide solutions for said market.