the analogy of course assumes that there are a bunch of different problems that will come to the family when the cops, the IRS, the electric company, and their bank all come to talk to them at once.
Just as it is generally claimed by scientists that there are a bunch of different problems coming to humanity when ecosystems collapse, temperatures rise by 1.5 degrees celsius, there's not enough freshwater to go around...
it might be stretch to claim etc. etc. but nobody is making that claim, the claim is that humanity is not reducing emissions and not doing anything significant to handle when the bills come due for the last century of everything improving!
on edit: changed is a bunch to are a bunch - is a bunch is probably still correct but are a bunch sounds more correct to my ear.