The point I was picking up on - the one that I quoted - was specifically your comment that
& I don’t see any reason why this should be the case.
I wasn’t talking about people ‘cheating the system’.
But since you mention it - people aren’t cheating the system because they didn’t gain any benefit from pledging more / less than they planned to invest.
Monzo spent a lot of time building a tool that would randomly select investors in a verifiable way - which seems to have worked flawlessly?
But if you’re concerned that the team aren’t spending their time on the right things, there’s nothing stopping you from creating your own bank, surely doing a better job & putting Monzo out of business 