I’ve moved your post here as Kevyn’s post earlier in the thread has the latest update from the team on this. I hope that helps 
In case you’re wondering why Monzo’s made that decision, it’s not because of a lack of opinions / options that users have discussed before! Please feel free to add your thoughts but bear in mind that there’s a good chance that your use case has already been mentioned in one of the posts that I’ve listed here -