I agree!
But as Richard mentions, unless you really know what you’re doing unfortunately most people get predictions about changes in FX rates wrong. This is a good point though, for the risk averse -
You did touch on people using the foreign currencies for work too & I think it could be really useful if you get paid in a foreign currency, to not have to convert that cash!
I’m sure people who need to receive / send money in foreign currencies would be benefit too. And I’m probably overlook a couple of use cases…
The good news is Monzo are currently testing EUR & USD accounts, in preparation for their international expansion.
So I expect these currencies will be an option in the future 