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but the vast majority of us aren’t doing anything at all that depletes resources at a too-fast rate.

Sure, but only because the vast majority of us aren't European or North American.

Rich people and companies are the winners of a game that hundreds of millions actively support through purchasing patterns, voting, peer pressure, and political activism. Populists winning elections on platforms of ignoring climate change are responsible, yes, but so is everyone who voted for them.

Every example you name for how you could reduce consumption involve you remaining an individual consumer, continuing to work within their system. But there are co-ops, library economies, unionization, political groups, collective activism - many ways to work together to far greater effect. They want us to see ourselves as snowflakes in an avalanche, none of us strong enough to fight the system, but we can fuse our economic power and become a boulder or a barricade, digging into the ground and taking energy out of the system rather than adding to it.

This is something we have always been able to do, and we, as western consumers in relative privilege, are responsible for every second that we do not do so, and let ourselves vote with our wallets instead.