Not everyone can get a credit card, at least not at a decent rate. Therefore options such as Starling or Monese are very practical for travellers.
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I get you but Monese have more fees than those. If you could choose between Monzo Starling and Monese, you wouldn’t probabably choose Monese.
The thing is that some are not in a position to choose 
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Literally millions of pounds per year.
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Is there any reason why you can’t use bank transfers?
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I can, but I’m very lazy.
So lazy that I sometimes top up Monzo with a debit card and then send the money to Starling, because Monzo stores the card details and Starling doesn’t.
I can’t imagine bothering to log in to Nationwide just to do a small transfer, while top up is still available.
Hooked on convenience, essentially.
Never understood either why the approach was to warn users that it is expensive. Monzo isn’t a charity, AFAIK.
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