I agree with the sentiment here that Monzo do and are actively seen to be caring about this part of the Market - but profitability wise it doesn’t make much sense (at this point anyway) to drive this as a main focus.
This is high, but naturally due to the size of Monzo and lack (or minimal) profitability per account cynically that’s why its high - but as we have discussed is being addressed. I think that those who are in real trouble are likely to be with a larger more established Bank to give them some flexibility.
I don’t think you’re being cynical I think you are just pointing out that Monzo (as it says) should work for everyone, whether that is someone who is financially stable or who is in need of a little help - but overall I think Monzo is doing well and is showing signs of wanting to do more.