This is a good point and one I discovered recently myself. All the services underneath are run by other organisations and the bank just slaps their logo on the top and takes a slice of the cash for the convenience.
I totally agree regarding your point about what Monzo stands for.
Maybe they could offer a marketplace bundle which ties in various services from the marketplace under one cost for a cheaper total price discount and also make some money from that for themselves. That way the consumer still has the option to choose the individual bundle products and sign up to them separately if they do choose.
I imagine it similar to how the App Store bundles work on games etc: Example Bundle
That’s how I imagine the Monzo way of doing it (in my own view)
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