Trading 212 has cover for up to €20k, and it's not as wide-ranging as the DGS.The online banks DO OFFER GUARANTEES!
A dividend of say 1%+ could easily be paid, whilst staying well within regulatory parameters.
A dividend of 1% would cost them about €1.4m. They have too many savings as it is, why would they pay a higher dividend when they can't lend out the money & when they are facing into very turbulent times?