This is a great idea. Monzo wants to get all up in your entire financial life - although the mission has been changed to be more broadly palatable, building a “financial control centre” is still at the core. And not capturing that a series of payments are grouped together towards the goal of a large repayment (you’re right, it’s like an inverse pot) is definitely a total blind-spot for Monzo right now. And it’s not just aligned with making a better product for users, it’s also 100% aligned with their business model (take a cut on referrals) - if you have, as the original poster has, 11 creditors, and you tell Monzo that each is a debt, then Monzo can suggest consolidating them together with x, y, z providers, and take a cut from that referral (and perhaps the user can get a better rate, better management of their debt, and pay it back faster as a result). Build it Monzo! 
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