Definitely very real scenarios. You could also lose your job, have a family member fall ill, suffer mental illness or any number of life events that disrupt Plan A. These can all result in problem debt, and we want to be here to help.
@StuartM (LinkedIn) leads the team here whose job it is to help Monzo customers in financial difficulties. He has previously worked giving debt advice in the Citizen’s Advice Bureau, followed by stints at the FCA and Financial Ombudsman’s service. You can read about some of his plans here.