I agree. I mentioned something in one of the now locked down Starling threads Starling Discussion & Feedback - #3250 by anon75400416
To offer a customer based credit line instead of product based would be very innovative. Especially if you didn’t pay interest provided you where in credit overall.
For example you may have a £5000 credit limit and £7000 in the bank. My preference would still be to pay for my £2000 holiday on credit to get to get the S75 protection. Once my overall balance drops below my credit limit then I pay an interest rate.