The consequences of global climate change are not a distant problem. They are real and plainly visible today. Raging wildfires are once again devastating forests across the Western United States, with smoke spreading east across the continent, causing unhealthy or hazardous air quality for millions. Just last month, monsoons wreaked havoc in India as a year’s worth of rain fell in just one month. History shows that it is the world’s poorest and most disadvantaged communities that bear the brunt of the financial blow that often accompanies climate events.