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We’re all familiar with the Homophobic Wedding Cake Baker problem. If you run a business baking wedding cakes, can you refuse to bake a wedding cake for a gay couple if you have a religious belief that gay marriage breaks one of God’s commandments? The baker’s religious beliefs persuade them that it is morally wrong for a same sex couple to marry. Does the business have to accommodate a customer who, in the baker’s eyes, is doing something morally wrong?

Now let’s meet the (entirely fictional) Woke Bank. The Woke Bank does not want to offer banking services and financing to a fossil fuel company. Banks, like any company, are run by individuals and those individuals have moral beliefs about right and wrong. Once enough individuals on the Woke Bank’s Board of Directors believe that fossil fuels are contributing to global warming, and they believe that offering their business services to a fossil fuel company is morally wrong, does the bank have to accommodate a company which is, in the Board of Directors’ eyes, doing something morally wrong?

(To reassure any conservatives who fear that Woke Bank might become a reality, I will send you to this article that says banks are financing fossil fuel stuff as fast as they can.)

On August 7, 2025, Trump issued an Executive Order called “Guaranteeing Fair Banking For All Americans.” It says that financial institutions can no longer “restrict law-abiding individuals’ and businesses’ access to financial services on the basis of political or religious beliefs or lawful business activities.” Meaning banks can no longer turn away the gun industry, the fossil fuel industry, or white supremacists, or any other group carrying out ‘lawful’ activity because the bank morally disapproves of them.

Banks were not doing this anyway. But Trump says a bank turned him away after his first term as president, so he wrote an EO about it. It’s mostly political theater. Whatever.

The EO clearly acknowledges the marriage of Christians and Republicans when it calls out (imaginary) discrimination based on “political and religious beliefs”. Over the past ten years or so, we’ve watched as Christianity and Republicans have merged, influenced each other, and become a politically powerful force. Christian moral beliefs now have the might of the Republican party behind them, in addition to the protections extended to religion by the Constitution. And now Trump is putting political beliefs on the same high level as religious beliefs. After all, offering loans to the fossil fuel industry didn’t used to be a religious belief.

Here is the question that I want to focus on: Are moral beliefs that are NOT based on religion entitled to accommodation too? In other words, why does society treat moral beliefs based on religion as being somehow “better” (more worthy of deference and accommodation) than moral beliefs based on science and philosophy? Why allow the Homophobic Baker to refuse to do business with a gay couple based on her moral religious beliefs, and yet require the (wholly fictional) Woke Bank to do business with the fossil fuel industry despite the Board of Director’s moral scientific beliefs against the use of fossil fuels?

Let’s acknowledge that both sides think that the other side’s opinion is based on stupid woo-woo. “The Bible wants me to be a homophobe!” Yeah, you aren’t going to convince anyone who chooses science over the Bible that you’re anything but a bigot who fell for propaganda. “Science proves that fossil fuels contribute to global warming and I want to keep the planet habitable and avoid fossil fuels as much as possible!” Yeah, scientific people aren’t going to convince any religious conservatives that Jesus isn’t going to fix the planet when he arrives next week. Neither side can convince the other.

So … are ethical/moral decisions worthy of the same deference whether they are based on religion or science? Why should the Homophobic Baker get to pick and choose their customers, while the (entirely fictional) Woke Bank is forced to do business with all?

Or should the rule be that, if you’re in business, you can’t turn away customers for ethical or moral reasons? Whether those ethics and morals come from religion or science? My personal opinion is that the no-discrimination rule is the one that will benefit society the most. I’m a liberal, and I wish Woke Banks (should they exist) could refuse to provide bank accounts to the fossil fuel industry, but I acknowledge that I don’t want to open that door and let Homophobic Bakers turn away same-sex couples. If you’re in business, you’re in business with everyone.

And before someone jumps in with a ridiculous example, obviously you can refuse to do business with someone for other reasons. A bank can refuse to make a loan to a fossil fuel company if the risk assessment division says the loan doesn’t fit the criteria they require from any loan applicant. A baker can refuse to bake a cake for someone who won’t make the standard down payment if that is the requirement for both gay and straight couples. If a customer is loud, obnoxious, and rude to the staff, the business owner can refuse to do business with them based on their bad behavior. The rules have to be the same for everyone.

Questions:

  1. Do you think business owners should be able to turn away customers based on moral grounds?

  1. Do you believe that secular moral grounds carry the same weight as religious moral grounds? Or is there something special about religious beliefs?

  1. Given the current political situation, obviously Christian/Republican morals are going to be favored and protected more. Should liberals retaliate? For example, I saw a news article a few years ago about a restaurant refusing to seat a prominent rightwing politician because of his politics. His behavior in the restaurant was entirely proper but they asked him to leave anyway. Is this comparable to the Homophobic Baker?