You will live to regret your moral cowardice. Specifically, you'll regret the wrong choices it leads you to make. The guilt you feel now is a warning. Don't stay lazy, or that guilt will eventually be augmented by shame.
Unless you can change the many, including those most intransigent, you have to respect that just changing yourself, is something you only do for yourself. I don't see how its "moral cowardice" for me to own a car so I can ferry around my 84 year old father, so he doesn't have to drive, or to flush my toilet after every time I piss.
If we're to talk about what you're ashamed of, why bring up the least blameworthy examples you can find? Do you want to be shriven, or enabled?
I think the average American or even maybe Chinese citizen has a much higher footprint than me these days. I could do better, but to do so would impact my life negatively, win me nothing but smug self-indulgence and change nothing in terms of the long term outcomes of this planet.
So yea, what guilt, what "moral cowardice"? I wouldn't sneer at someone with a higher footprint than me (outside of maybe SUV owners because srsly wtf is that shit) because its collectively where we're culpable, not individually.
Its 2026 and like 30% or more of the citizens of the global super power don't believe in global warming. We're fucked and nothing I do or you do is going to stop that outcome. We probably should start seriously thinking about geo-engineering instead of worrying about moral cowardice.