When the planet gets too hot for us to go outside, our dependence on motor vehicles will deepen that much more. But we'll need ways to interact with the world safely, so engineers will find ways to redesign cars and trucks into relatively almost affordable wheeled mecha. These Mechars will still put us into a lifetime of debt, but that's okay because the way people use their cars is already like a minihome, and so the mechars will continue that trend of essentially being our homes on wheels, complete with mortgage. We won't need houses, which is great cause they'll be demolished to make room for the charging stations for these mechars.
I can't get the imagery of countless mecha stuck in rush hour traffic out of my head.