I was taken aback by the following snippet:
It’s not hard to see how such features might be extended – and abused. Why not introduce, say, a McDonald’s block? “McDonald’s, yeah, you could do a McDonald’s block quite easily,” says Blomfield. “But alcohol and cigarettes are the two I would really love to put a block on.” Monzo doesn’t have the data to do this by itself, he explains. “But what Tesco could do is send entire receipt data through the Mastercard and Visa networks, which would then enable us to say: ‘Aha! There’s alcohol on that!’ Then we could decline the transaction until you take the alcohol out of your cart and re-swipe your card. It’s entirely possible, it just needs all the shops to adopt it.”
That’s a dangerous road to go down!