It’s probably just unfortunate usage. Although maybe a question for over here?
(My own view: replace “salary” with “income”)
On the cost issue, I’m assuming the difference is down to BACS/faster payments being cheaper than top-ups. It’s be interesting to know if, say, 10 faster payment / BACS transfers into Monzo a month gives the same cost figure as the “salaried” one?
Also, thinking aloud, if a salary implies more money coming in, presumably Monzo makes more money from Mastercard fees etc, as it implies that all spending is from the Monzo account?