I understand your Thinking, but i do not share that Mindset. In my Opinion, you have all the Freedom you can have. If you want, that bunq does nothing more than they must with your Money, you can choose that. If you want them to invest your Money, you can choose that, too.
As a Benefit, all the Revenue is split to all Users. Means: You dont have to decide, if you will allow your Money to be used for something you dont like just for a higher Interest.
I really like it.