Try seeing life from a different point of view for a change.
Monzo tried something different for people stuck in their overdrafts who found APRs and interest rates opaque. The deal was, it wouldn’t be the cheapest overdraft (neither would it be the most expensive), but it would never cost you more than £15.50 a month and you could budget accordingly knowing what it would cost at the outset.
The FCA had other ideas and, lo and behold, we all now have less choice because of it.
I don’t believe the folk who didn’t ‘get’ overdrafts before are now suddenly able to use all the online calculators and comparison sites, I think they’ve almost certainly gone back to feeling like they don’t know what their borrowing really costs.