I was simply pointing out that you don’t have access to enough information about what Monzo’s doing or their objectives to judge whether they are planning far enough ahead, in order to achieve their goals or not.
It’s not possible for them to set a timescale for delivering every single feature that they’re planning & then share that timescale with us. Or at least they could but that information would be wrong because their plans will change & the timescales would change as a result. And then this happens 
TL;DR - Absolute certainty about everything is an unrealistic expectation & will only result in you being disappointed.