Is Monzo requiring access to contacts for joint account opening / Monzo.me necessary & secure?

[Toblerone (Toby)]

@anon23935806

It being an unique fingerprint for you and your relationships that you can’t easily change? You could always change your name, email or phone, but can you change all your friends?

Why would I need to change them if someone knew who my contacts are? Still struggling to see the issue?