Tough love: I don’t think you should be engaging. Why? Because I think you’re seeing expectations that you can’t meet.
The forum is a place for dialogue - but you are on broadcast. The forum is a place for crowdsourcing and creative, iterative feedback - but you want to hold it tight, get it right then release.
None of this is bad. It’s just a different approach. Continuing with these updates is, I think, trying to insert a round peg into a square hole. Indeed, and I have to be honest, all they have done is make me doubt Monzo’s direction. Paywalls or focus on short term gain to losing your way long term are all potential red lines for me. And yet they all seem to be up for grabs. I’d rather not have to wait months to see where this ends up. It makes me uneasy.
Go build the product. In private. Then we will vote with our money or with our feet.