{"id":55705,"date":"2026-09-26T16:05:19","date_gmt":"2026-09-26T16:05:19","guid":{"rendered":"https:\/\/kingarthur.com\/songwriter\/?p=55705"},"modified":"2026-09-26T16:05:19","modified_gmt":"2026-09-26T16:05:19","slug":"climate-short-changed","status":"publish","type":"post","link":"https:\/\/kingarthur.com\/songwriter\/2026\/09\/26\/climate-short-changed\/","title":{"rendered":"Climate (Short) Changed"},"content":{"rendered":"

[Silence]
\n[Instrumental Intro: sly blues-rock guitar, bass, piano, and a steady cash-register rhythm]<\/p>\n

[Intro]
\nThey said it was distant
\n(Too far away)
\nSomething for tomorrow
\n(Not today)<\/p>\n

But tomorrow came knocking
\n(On the front door)
\nAnd suddenly the mocking
\n(Costs a little more)<\/p>\n

[Verse 1]
\nThe roof needs fixing
\n(The storm came through)
\nThe premium’s rising
\n(What can you do?)<\/p>\n

The insurer’s nervous
\n(So am I)
\nThe policy’s canceled
\n(Well, goodbye!)<\/p>\n

[Refrain]
\nWhat will change you, honey?
\n(Money!)<\/p>\n

Need some assurance
\n(About insurance)
\nAnd the fate
\n(Of the interest rate)
\nTaxes are taxing me
\n(Climate reality)<\/p>\n

What will change you, honey?
\n(Money!)<\/p>\n

[Verse 2]
\nMortgage payment climbing
\n(The rate went high)
\nClimate risk pricing
\n(You wonder why)<\/p>\n

The lender’s calculating
\n(The risk in the loan)
\nLocation, exposure
\n(You’re on your own?)<\/p>\n

Higher cost of capital
\n(Higher cost of debt)
\nWhen risk gets repriced
\n(You ain’t seen nothing yet)<\/p>\n

A house isn’t just a house
\n(It’s an asset, you see)
\nIt’s weather, water, wildfire
\n(And geography)<\/p>\n

[Pre-Chorus]
\nYou can ignore
\n(A temperature chart)
\nYou can debate
\n(The science part)<\/p>\n

But when the bill
\n(Comes through the door)
\nYou start asking
\n(What was this for?)<\/p>\n

[Refrain]
\nWhat will change you, honey?
\n(Money!)<\/p>\n

Need some assurance
\n(About insurance)
\nAnd the fate
\n(Of the interest rate)
\nTaxes are taxing me
\n(Climate reality)<\/p>\n

What will change you, honey?
\n(Money!)<\/p>\n

[Bridge]
\nClimate change
\n(Prices rearrange)<\/p>\n

Risk becomes
\n(A financial cost)<\/p>\n

And the cost becomes
\n(A consumer loss)<\/p>\n

[Break]
\nWhat happens
\n(When the wallet feels it?)<\/p>\n

What happens
\n(When the market reveals it?)<\/p>\n

What happens
\n(When the numbers don’t lie?)<\/p>\n

You can close your eyes
\n(But when the bill comes… you cry!)<\/p>\n

[Refrain]
\nWhat will change you, honey?
\n(Money!)<\/p>\n

Need some assurance
\n(About insurance)
\nAnd the fate
\n(Of the interest rate)
\nTaxes are taxing me
\n(Climate reality)<\/p>\n

What will change you, honey?
\n(Money!)<\/p>\n

[Instrumental: cash-register percussion, blues guitar solo, piano stabs]<\/p>\n

[Final Chorus]
\nClimate short changed
\n(Short changed!)
\nPaying for the weather
\n(Again and again)<\/p>\n

Climate short changed
\n(Short changed!)
\nEverywhere you turn
\n(It’s the cost of the trend)<\/p>\n

[Final Refrain]
\nWhat will change you, honey?
\n(Money!)<\/p>\n

Need some assurance
\n(About insurance)
\nAnd the fate
\n(Of the interest rate)
\nTaxes are taxing me
\n(Climate reality)<\/p>\n

[Outro]
\nWhat will change you, honey?
\n(Money!)<\/p>\n

Climate short changed
\n(Deranged!)<\/p>\n

You don’t need to love it
\n(You don’t need to hate)
\nYou don’t even have to
\n(Participate)<\/p>\n

But if the price keeps rising
\n(You’ll probably find)
\nClimate change
\n(Has changed your mind)<\/p>\n

Climate short changed
\n(Short changed…)<\/p>\n

Money…
\n(Honey…)<\/p>\n

See…
\n(Climate reality.)<\/p>\n

\n
\n \"When
\n <\/a>
\n<\/figure>\n

About the Song
\nWhen Climate Change Hits the Wallet: Insurance, Interest Rates, and Taxes<\/p>\n

What will actually change consumer behavior when it comes to climate change?
\n\ud83d\udcb0 Money.
\nInsurance. Interest rates. Taxes.<\/p>\n

For years, climate change was largely treated as an environmental issue. But that is changing as climate risk increasingly enters the household economy.<\/p>\n

\ud83c\udfe0 Insurance premiums and availability are being affected by rising climate risks.
\n\ud83d\udcb0 Climate-related economic and fiscal pressures are affecting the cost of capital.
\n\ud83e\uddfe The growing costs of climate damage, adaptation, infrastructure, and energy transition are increasingly flowing through tax systems.<\/p>\n

These forces can reinforce one another:
\nClimate change \u2192 financial disruption \u2192 higher household costs \u2192 changed consumer behavior<\/p>\n

Consumers may ignore a temperature graph. They are much less likely to ignore an insurance cancellation, a higher mortgage payment, or a rising tax bill.<\/p>\n

Climate change does not have to be universally accepted before it changes behavior.<\/p>\n

It only has to become cost prohibitive to ignore.<\/p>\n

Read the full report: \u201cWhen Climate Change Hits the Wallet: Insurance, Interest Rates, and Taxes<\/a>\u201d<\/strong><\/p>\n

From the album “Present Tense<\/a>“<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

[Silence] [Instrumental Intro: sly blues-rock guitar, bass, piano, and a steady cash-register rhythm] [Intro] They said it was distant (Too far away) Something for tomorrow (Not today) But tomorrow came knocking (On the front door) And suddenly the mocking (Costs a little more) [Verse 1] The roof needs fixing (The storm came through) The premium’s […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","footnotes":""},"categories":[3],"tags":[163],"class_list":["post-55705","post","type-post","status-publish","format-standard","hentry","category-4d-music","tag-climate-change"],"_links":{"self":[{"href":"https:\/\/kingarthur.com\/songwriter\/wp-json\/wp\/v2\/posts\/55705","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kingarthur.com\/songwriter\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kingarthur.com\/songwriter\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kingarthur.com\/songwriter\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kingarthur.com\/songwriter\/wp-json\/wp\/v2\/comments?post=55705"}],"version-history":[{"count":4,"href":"https:\/\/kingarthur.com\/songwriter\/wp-json\/wp\/v2\/posts\/55705\/revisions"}],"predecessor-version":[{"id":55718,"href":"https:\/\/kingarthur.com\/songwriter\/wp-json\/wp\/v2\/posts\/55705\/revisions\/55718"}],"wp:attachment":[{"href":"https:\/\/kingarthur.com\/songwriter\/wp-json\/wp\/v2\/media?parent=55705"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kingarthur.com\/songwriter\/wp-json\/wp\/v2\/categories?post=55705"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kingarthur.com\/songwriter\/wp-json\/wp\/v2\/tags?post=55705"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}