LvH Well If you morally or religiously or whatever reason can’t accept interests being made on your money it does not matter if it is paid out or not. It is not more morally acceptable or Haram or whatever.
Now lets look at the options we have investing in a company and getting a share/interest is for most religiously and morally okay, lending money to someone and get interest for a lot of people less okay. So we can uncheck(actually believe it should be opt-in not opt-out) any money lending but ecb and gov. bonds now these cannot be unchecked because our money has to be invested therin by law. I guess apart from having to opt-out you can’t do much better.
I want to say this again it doesn’t matter if you get the interst or not as long as it is done with YOUR money, you ARE responsible for the evil or unmoral actions done with it and it is your responsibility to intrust to the right people.
I want to note that this my personal opinion.