Agreed. I think the game changer is when you can automagically transfer the contents of pots outside Monzo (or have savings pots in the app that are actually held by other institutions and attract interest).
Actually, I think @tom put it much better than me in his recent Q&A:
I’d like to offer partner banks on our marketplace, and give users the ability to turns “pots” into “savings pots” and earn interest. Still within the Monzo app, but sitting on the balance sheet of another bank.
The tl;dr - I’m really looking forward to rules within the app!