[belorn]

There are special ethical investment funds with policies like no military manufacturers, no fossil fuel producers, and so on. They will generally pay less, have higher management costs, but they do exists. You do have a choose in which funds and stock options you buy, including which pension funds you invest in.

A bank account is not a legal requirement in Sweden, which I know for a fact since I know a person in Sweden who do not have one. The agreements between the government and some banks is that banks must accept customers who ask for a bank account. They can't however force a person to go into a contract with a private bank against their will.

I will give you that it is a more significant choice to choose which companies one want to invest ones savings on, in contrast to spending a few bucks on a vpn. I would however argue that the moral impact from the amount of money invested in funds and pension plans are more important then the choice of a VPN, thus hold a bigger ethical question.