Woah what? The money comes out of pots after the direct debit time? Really? What a massive oversight. There’s a reason salaries go in at 1am and direct debits go out at 2; it’s so that payments going out on the same day you get paid don’t fail. Since the use case for this feature is generally to set money aside for bills and bring it back in automatically to pay them, these movements out of pots should be at 1am. Movements in to pots should be later though as those should be processed after direct debits and standing orders.
As for terminology, if the feature is intended to set money aside for bills, and the time they’re running means that bill paying fails, I’d absolutely call it a bug. If the feature is intended for other things as well as bill paying, then it’s an oversight. A big one, but just an oversight and not a bug.