Thanks for your comments. I appreciate your being honest with me. I am occasionally accused of having a childish sense of humour - but people who know me well are generally confident that I mean no harm. Humour is subjective, as a couple of people pointed out.
I did actually find it quite funny when I thought of it, and believed some others might too - though as it turned out, not everyone. I was trying to figure out what possible uses a metal card might have, and other than a windscreen ice scraper, that’s all I could think of.
Worth pointing out that I’m a very loyal Monzo customer, investor and fan - and have been since I first signed up over three and a half years ago. Part of that loyalty, as I see it, is calling out when I see something that feels wrong or that I don’t understand, and i was using humour to emphasise my confusion at the possible £90 fee for a metal card.