It’s frustrating having a conversation regardless of importance over that time period. You shouldn’t need to scroll up to establish where you are in the conversation because it’s been weeks and each reply is from a new chat OP who hasn’t read any of the previous messages, can’t answer the Q and apologies.
I don’t think just because I use the forum should mean I should avoid using the chat to discuss personal matters. It’s monzo that need to get their shit together and step up, it’s embarrassing compared to the quality received only 6mths ago where you get a respond within 15mins and sorted there and then by the same chat Op.
(I’m calling them trival in comparison to I need help immediately questions) with a never ending WhatsApp style it’s impossible now if I did have a real serious issue to bring it to attention, urgent or non urgent it’s the same timeframe