Those are all options and choices for a small fraction of humans at what is effectively the top of the pyramid.
In each case, those are choices made out of ZERO economic pressure. You can do that TODAY, without the need of us discussing carbon capture costs.
However, most people DOMT exercise that choice, either through necessity or preference.
For all of those people, an increase in oil prices mean that they have to choose between working and living in an affordable place. It means more Money out of the monthly budget which is not available for other things.
This is economically defined as a reduction in their quality of life.
Do consider that, For most of humanity, food, water, medicine, clothes are decisions separated by razor sharp margins. Owning a car is a distant dream.
Simply - If the cost of everything went up, and you thus has less disposable income to use, then your quality of life by definition has dropped.
If I buy a product that has less packaging, so there's less waste, my quality of life is lowered?
If I take up bicycling, and as a result drive less, is my quality of life lowered?
If the hotel I stay at starts using containers of soap instead of single-use packets, is my quality of life lowered?