So I was a Monzo customer when monzo.me links were introduced, when customer numbers were in their thousands, not millions. They were changeable for only a very short amount of time, really whilst Monzo scrambled to settle on a policy around whether or not you should be allowed to change it at all. Relatively few were successful at changing the link as a result of some COps allowing the change whilst other COps refused. A lot of changes were actually quickly reversed, and if any changes were allowed they were simple changes like removing the middle name only:
pauljohnsmith would become
robertbaker2 would become
robbaker and so on. No one was allowed
superman or similar then, and very quickly no changes were allowed at all. It really wasn’t a case of wholesale changes for all and then “let’s monetise this cash cow, baby!”
On a general level I have no problem with something that was free becoming paid–for. Every company needs to make money and why shouldn’t it charge for a popular service? Profit is profit and every business will take easy profit over complex. Yes, some people will subsequently choose not to take the service because of the new fee, but that’s the customer’s prerogative. I myself have stopped using my account because of elements of the whole Plus debacle but Monzo will take any loss of business into account and adjust its policies accordingly. It doesn’t mean I have any ill will towards Monzo’s decision making, it just means it’s not for me at this time.
At the end of the day, Monzo is a business and you need to decide if it’s worth your custom, but folk do need to get over being offended at decisions Monzo makes which they don’t agree with.