I think part of the problem will be that Monzo won’t go anywhere near features/products that could end up costing them money - They are super risk averse right now, and likely will be for many years to come.
Established banks can offer stuff like this, because they can afford to. Monzo can’t, despite all of the massive valuations and huge numbers being thrown around, they aren’t profitable yet.
As a customer, I’d of course like to see products like that that can help other people out (seemingly at Monzo’s expense).
As an investor and forum reader of 2 years, I know that just isn’t going to happen anytime soon.
Definitely worth the suggestion (that is what the forum is for after all), but the people who have been around this forum for a while, will probably feel it’s a non starter.