It's actually worse than that. Even if you don't drive or pay for heat it will affect you. Fuel costs drive up the price of every single thing produced/grown, and transported on the planet. So unless you are 100% totally self-sufficient you will pay one way or another.

It's a pain but we've been here before. Oil prices were higher in 1973 after adjusting for inflation and we survived that. But we absolutely need a long term plan to switch from fossil to renewable energy. A total national effort along the lines of the Apollo project. Benjaminn already touched on a way to fund it: drill domestically and use a portion of the profits to finance the R&D. Do Congress, the President, and the courts have the political will to do it? Not now obviously.....