> 1% of us will inherit the earth before 2100. That would also solve the problem, but I won't get to be around to enjoy it.

Not necessarily. If the 1% fly around in private jets regularly we'll be worse off.

> fourth option

The only solution is political and global. A carbon tax & tariff is the best option I'm aware of, but there are others.

https://issues.org/climate-clubs-to-overcome-free-riding/