Great to hear you’ve had such good experiences with Monzo.
As you might have seen, the limits are now a bit more visible in the latest public release of Monzo on iOS. These limits were agreed with Monzo’s prepaid card provider for the alpha/beta and I wouldn’t be surprised to see higher or different limits for current accounts when they launch.
As for self-limiting, it’s not as granular or heavy handed as you suggested but this kind of thing is coming as a feature called Targets.
