I submit, that when you add in the psychological aspects, we are actually in the 13th or 14th hour. I don't say this as a "Oh well, screw it, then", but as a realistic acceptance of the choices we will be forced to make as all of those disasters happen sooner than we imagine they will. Modern economics is based on externalizing costs to maximize purchases and production (economic 'activity' even capitalizes disaster 'recovery'). I have long advocated for sales taxes to replace the deceptive income tax code, and for UBI to pay people to stay home and care for their places, but now, instead of just the actual costs of goods, we need to add in the damage costs of the past in order to compensate for what we might need to do in the future. In other words, the tax needs to be high enough to not only deter people from buying as much in a market economy, but high enough to make the idea of an unfettered market economy obsolete. Our abdication of responsibility in favor of an Invisible Hand has pushed us to the cliff of extinction, but the walls of monetized civilization keep us from seeing the precipice until Nature's understory collapses beneath those walls.