Great thread 10/10 for popcorn munching abilities.
Seriously though this was a good read - it really
exposes the vagueness and complexity around JA offering criteria that seem to exist.
My hope for 2023 is that Monzo get a consistent approach here. I appreciate that there may be many reasons why things might change and be different but even a consistant way of saying “not right now and we can’t say why due to regulatory reasons” might be a start.