Your first point is already actively in development and is actually already available on Android Devices through Monzo Labs in your settings. If you’re on iOS like me, we have a to wait a little while although we’re keeping fingers crossed for this weeks release. Hidden Pots was announced here: Progress update: Core App
Second point is something that has been mentioned a few times, theres a number of threads for it already so make sure to go search for them and vote for them. heres one thread from a quick search: Allocate payment from pot