Basically money is energy. You are using money to buy things which uses energy, stuff produced by machines which need something to run of, not from horses or ppl, but from oil and coal.

If you invest in companies that emit GHGs, then you are helping finance their pollution, and profiting from that.

If you keep your money at a bank that does business with major polluters, your funds are being used by the bank to back loans to those polluters to help them pollute.

Spare change invested in GHGs contributes to climate change.