Not sure I understand the massive defence of Monzo here, yes it’s not actually because of them but bad news travels faster then good.
There maybe more people that unlike the OP don’t post on a forum but tell there friends or family not to get a Monzo card and the negative image that gives.
OP is right, if your parcel goes missing it’s on the company you brought from to refund you and sort it out to me using paypoint is the same, Monzo should be sorting these issues out.
Not going to bang on the same drum but I no longer recommend Monzo because they don’t take cash and cheque in a common sense way. You may only need to use it once or twice a year but it’s a hassle you can avoid with starling.