One point I agree on from the original post is that it’s a shame that the prepaid card will be disappearing.
Maybe I don’t represent the typical user but I have been loving using Monzo and have been using the prepaid card as my main spending card - I don’t think I’ve used my HSBC debit card in the last 6 months at all. The thing I like about the prepaid card is that I can top it up with £200-300 at a time and it mentally helps me feel how much I am spending on a monthly basis and actually helps me control my spending (coupled with the amazing instant notifications etc).
It’s also good to know that if the card is ever cloned/stolen that I wouldn’t lose any more than the amount that is on the card.
I know Monzo is moving towards being a proper full on bank and maybe there is no money in the current prepaid solution vs having people using full-fledged current accounts but it would be amazing to have the choice of the two.