Thanks for sharing all these ideas! There’s a lot for Monzo to consider here & a lot for other users to discuss so I’ve shared your comments in the topics for these ideas, to make it easier for everyone to follow the discussion & find relevant ideas in the future.
You can see a list of those topics underneath your post -
I hope that makes sense 
If you have any more thoughts on these use cases, please let us know in those topics.
As you say, I expect the pots feature will work for you here 