Just thought I’d add my 2 pence, as a former forum regular (which accounts for nothing! 
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On the whole “Plus” thing, reading between the lines, it looks like it was going to be catered towards travel quite heavily - Clearly a marketing disaster in the current climate (although it would follow on from the previous Monzo Plus marketing disasters very nicely! 
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But, if anyone thinks Monzo Plus is going to be great value regardless, I’d suggest looking at the failed attempts of the past 12 months. I’d love to be proved wrong, but I don’t see this incarnation of Monzo Plus to be too dissimilar from the past, failed attempts. Monzo have never been the cheapest with anything, and rely on loyalty and “ease of use” in general.
Completely appreciate many people feel emotionally attached to Monzo, would offer up their own money to “help them out” and would literally buy anything Monzo offered - Kudos to you if you are in such a position to do so. But I suspect that Monzo doesn’t hold such a place in 99% of their customers hearts.
I also personally think it’s absolutely crazy to hold such a position of love for a bank - But everyone is entitled to spend their money on what they want - If that’s giving a bank a hand out, then so be it.
In regards to “listening to the customer/forum”, I used to believe this was the path that Monzo should follow, but in reality, they just need a visionary senior team with the ability to deliver a fantastic product - Something they have fallen short of time and time again in the past 24 months.
The customer is not always right, the customer is usually very wrong. If they’d listened to the forum for Monzo Plus, it would have likely bankrupt them far sooner
I don’t say the above to stoke up any arguments from the loyalists, but more so as a current Monzo user who uses them as their main bank, yet feels incredibly disappointed with the direction of the last 2 years.
No one will come out of the Covid situation particularly well, but I do feel Monzo will come out worse than others. I’m clearly not read in on their financial situation, but the decisions they’ve made during this time seem to compound the bad decisions of the past.
Regardless of what is happening in the world, you never really want to be worried about your bank, it’s one of those things you need to be secure and safe. Something, that I’m not sure I feel with Monzo, despite the FSCS protection.
Despite all that, if you don’t read the news and ignore the forum, the core App/service works fine.
I say “fine”, because sometimes it’s slow to update your balance, the merchant data is incorrect and you can’t find the “contact” button because it was hidden… When you do need to contact them, the service would appear to be particularly slow and poor (based on the evidence of this forum at least).
So, to come full circle back to the original post… I disagree with pretty much all of it, and sorry OP, but I personally feel what you want is a start up who can share every little detail with their core 500 customers who have been along with them for the journey from the start.
Replace “Monzo” with “Barclays” and you’d see how bonkers it sounds.
The “community” was left behind quite a long time ago. Having a quick scan of it now compared with a year or 2 ago, and you can see an absolute world of difference.
Senior team used to post regularly, they’d be active on social media and it would be semi transparent at least. Now… nothing.
The forum is now more of a place to simply discuss FinTech (in between being used as an alternative for Google), and that’s great for some, but it’s not the Monzo scene it once was.
Anyway, hope everyone is well during these times! 
I have to ask though, why do you feel monzo is unsafe despite the FSCS protection?
