Think this may be a confusion between equity investments and managed fund investments?
If you were investing in a fund they might be able to tell you they are only investing in green energy companies or companies that don’t test on animals, or whatever ethic floats your boat, but this is an equity investment so so they’re only offering us the opportunity to invest in this one company. They need the investment to meet the regulator’s capital requirements for launching a bank and for funding/growing the user base which they plan to expand rapidly and is currently unprofitable to the tune of £40 per user per annum so that is a significant cost until they can monitise the offering.
The Crowdcube website asks a series of questions when you’re registering to determine if you fully understand the risks and pitfalls of equity investments and will not let you invest if you get any of the questions wrong, so if you do want to invest you should read up on equity investments in the next 2 weeks!
I try my best not to be condescending because everyone starts at the beginning, but I know I probably am - apologies if that is the case