I’d say the majority of tools people need are already in place to help people stay out of negative debt (where you pay out more than your income) and/or manage your money more efficiently when insolvent.
The committed spending side of things is perfect to be able to set money aside you can’t touch each month for certain expenditure, however I would like to see this amended slightly so you can set aside an amount each month yourself for categorised expenditure (e.g. setting a maximum amount of committed spending each month for groceries) rather than having to select a transaction you want to predict.
Already, Monzo have written articles to help manage your money which I’ve found could be very useful for people in debt. Maybe having a small widget in the app to reach articles related to your spending would be easier too?