I'm not sure I can agree with "inadequate". I think the poker metaphor provides a perfectly good, intuitively usable framework for assessing the personal risks from environmental degradation/climate change.

The first hard part is encouraging people to approach the issue in that way.

The second hard part will be to transition from a multiplicity of personal insights to collective action.

The fact is that what we're experiencing right now is a top-down disaster. -Paul Krugman