I hear you Janet but the cool tones are out there, just in less quantities and you have to do more hunting. The cool tones may be offered online only, not in stores. Try Macy's, try Amazon.
Meanwhile I incorporate the non-flattering colors in bottoms, belts, handbags, shoes. Anything away from my face.
And as already mentioned, there's usually a cool-toned version of most colors, including, yes, yellow. Hard to find but not impossible. It's definitely one of those things you want to shop in person for.
I did just pick up a yellow cardigan at Old Navy. No, it's not my best color. But it looked really good with the leopard flats I bought recently. And with a blouse in a more flattering color underneath (even a plain white blouse) I can make it work. I went with ON because for me a yellow cardigan isn't a long term investment piece. It's a fun right now piece that'll start to pill before the next trendy color comes around so I won't cry.