In Europe, thieves sometimes steal slabs of lead that have been used as roofing material on buildings like churches. When they do so, it is obvious that the act causes net economic losses for society. The thieves get the scrap metal value of the lead (minus their expenses) while the church needs to pay the cost of replacement lead, the price of installation, and any damages arising directly from the robbery or from their subsequent lack of a roof.
When climate change is taken into account, fossil fuel extraction has a similar dynamic to such robberies. The profits of oil, gas, and coal companies are large and immediately visible, but the wider costs to society still exceed them. They include everything from the people sickened and killed by air pollution to the land and species that will be lost to climate change.
The general public still seems to be a long way off from recognizing this. No doubt, that is partly on account of how they recognize the many useful and pleasant things fossil fuels allow us to do. Ultimately, moving beyond fossil fuels is a choice primarily motivated by concern for future generations. They are the ones who will need to deal with the downpour, after we have stripped away the roof.