I think it's more nuanced than that. I used to walk to my bank, I can't do that any more because many branches closed. The bank now directs all interactions to happen via their app. In terms of emissions (and social interaction, particularly for vulnerable and isolated members of society) I think this is bad news.

But this is a complex calculus and - frankly - feels like a distraction from the issue. I don't want to get into the weeds of calculating micro-emissions of daily activities, I want climate responsibility and reduction in energy consumption across the board.