@simonb @cwtch as its related can we a Monzo response to whats going on with chat, what steps are being done to improve things with scaling, what you see happening in future. Plans to improve how queries are dealt with best etc
We get these threads all the time. Like flogging a dead horse.
We know Monzo staff lurk these threads… 
This recent one would be excellent to answer…
https://community.monzo.com/t/how-do-we-think-monzo-can-improve-the-chat-experience/87035