Dan signed up for a VPN recently, and he can't use it with his banking, Netflix or other apps. Leo says that the bank is probably blocking it. VPNs can break IP-based authentication. BBC iPlayer, for instance, blocks VPNs, because you're not paying for the TV license fee. Netflix does it because it doesn't want another region to be watching content that isn't available for licensing reasons. Banking activity is encrypted, so you don't really need a VPN for it. Google has also been pushing for HTTPS encryption with every site, so if every site is encrypted, there's no real need for VPNs. Another way to do it is DNSCrypt. But that isn't widespread.