So many thanks @MrArkadin for flagging this.
I agree with you in the sense that we have a bunch of things that are not in the right place, you’re totally right about that. The reason for that is development speed. We try to progress fast and it’s usually faster to add one more switch to a setting panel that already exists that move things around and create 10 times more work. We’re also pending on some abstractions around account(s), pot(s) and maybe even card(s) at some point. Once we’ve done that work we’ll be able to polish and fix some of your concerns about limits, etc. All good in that front, lots of work to be done but we’re aware 
Regarding the card. I think that one is trickier and it’s something we also struggle with. Not so much in the app itself (once we release Breakdown some of the rough edges will disappear and everything will make way more sense) but in how we position the product and marketing communications long-term.
For many of our users Monzo is “that flashy card that sends you real-time notifications when you buy something”. And even though that’s awesome it doesn’t necessarily align with our broader objectives of offering “the best current account in the world” (as we used to say) and potentially even less with “the financial hub for 1 billion people” (as we see Monzo in the long run, something something marketplace 
…).
So, it’s a bit hard to say… but yeah, to be card-centric is not necessarily a problem right now but we’ll adjust things for sure as our features evolve and challenge the previous structures. We’ve done it in the past (really back in the day there wasn’t even a “card” screen at all!) and we’ll keep doing it 