Let’s try and keep this in perspective. Monzo is still reasonably new (though getting progressively less so, the passage of time being what it is). It does, though, need to turn a profit. It isn’t a charity, or even a mutual (like a building society).
While I would like all the good things immediately, I accept that these come with time. And that constantly adding new features that cost Monzo money without passing on the cost - or finding ways to become profitable - would be nice while they lasted, but ultimately that’s not building a sustainable business.
Would I counsel Monzo to move a bit quicker on things like the new Accounts and Payments screen? Yes. Would I suggest they stop working on super important things that can make them money (like energy referrals)? No. And while Monzo Plus isn’t my cup of tea just yet, I know from experience that staff read the views here and they very much factor into internal planning and product decisions.
For me, personally, Monzo is my main bank. They’ll stay that way until they break my trust or someone else pulls far ahead.
But Monzo is just a bank. And I get a little fed up of the holy wars between it and other providers. Again, this is a personal opinion, but I’d much rather this place be constructive and helping Monzo - and the industry in general - to get better. If anyone is here just to take pot shots (and I’m not suggesting anyone in particular is) then I think it might be time to consider whether you’re with the right bank - or posting in the right place.