This isn’t the standard that I’d use as my criteria. The question for me is: how much value does a feature add, in terms of it’s potential to improve people’s financial wellbeing?
If a feature is just for power users then that implies that it’s a nice to have and only a small proportion of Monzo’s users would want it. In which case, it’d generally be unlikely to move the needle in terms of subscriber numbers. So why would Monzo spend the time / cost to build and maintain it?
If a feature adds enough value to prompt a lot of people to want to use it then in my opinion, it should be provided by Monzo for free because of the potential to make a meaningful difference to a large number of people’s financial wellbeing.