Okay - my bad choice of words again. When I say "the real problem", I'm referring to
what we should be fixing.
Of course Climate Change is a problem for people suffering from desertification, extended severe drought, loss of arable land and water, famine, and death. (I'm not an idiot. :-)
However, I contend that there is NO WAY to stop the burning of fossil fuels enough to significantly mitigate Climate Change in a way that would not bring about total disaster to those same mid-latitude economies that you refer to.
You, yourself, highlight morality and ethics as being major issues to address. I contend that unless we address the runaway economic models that demand the burning of fossil fuels, we will never make any serious progress on Climate Change.
Climate Change is part of a larger system imbalance. Addressing it effectively requires understanding its connections to other economic, ecological, and social issues.
While transitioning to renewable energy is crucial, it's part of a larger shift needed in how we value and interact with our environment. We need to look at the economic 'operating system' that drives our decisions, not just the individual 'programs' we run.
My perspective does not negate the importance of current climate change actions. Rather, it provides a framework for understanding why these issues arise and how we can create more comprehensive, lasting solutions.