They don’t necessarily need to when the requirements they have currently have little impact on the majority of their customers. That being said they have admitted that they can’t account for everyone and if you feel them to be unjust you can contact them and they’ll make exceptions. It’s far better to have a human evaluate circumstances rather that a computer in my opinion.
So you (or anyone else) are advised to just reach out and they’ll work with you on it.
There was someone who lived out of their savings pot for example. So as soon as they showed Monzo that they withdrew money from this instead of having it come from an external source an exception was made.