No. of Recommendations: 1
Quibble: most of the climate science community says we already have 2C baked-in. So limiting to 1.5C isn't happening, even under ideal circumstances.
You make a good point. But I suspect that, had we acted earlier, it would have been cheaper to have those govt programs, than to deal with the ramifications that are already starting today. Probably we will only know for certain in 100 years after they tally up the costs. But I think we've been "penny-wise, pound foolish" with regard to the costs of climate change.
Academic now. We will have to deal with adapting to a warmer world, which may include some places becoming uninhabitable (like parts of the middle east).