Pots is technically a ‘ring-fenced’ money that’s meant to be untouchable. I think future plan for Pots is possibly to enable us to sign up for products with third-party providers, e.g. saving a pot then opening a nutmeg ISA with the pot etc, which in other words that money would have been sent to Nutmeg and will no longer be held by Monzo. I believe it’s probably with that philosophy that Monzo has built the system with the expectation that Pots will be a ring-fenced money that Monzo will have no access to.
But I think such problems can be easily prevented by Monzo’s real-time notifications? When you go negative Monzo will send alerts asking us to transfer balances back to the current account and if we do so by midnight then no charges will be levied/ credit scores won’t be impacted etc so I don’t see why having lots of money in pots but accidentally going overdrawn on your current account would be an issue?