This is why I rarely bother with forums.
I said a hypothetical 55 year old. A hypothesis is “a supposition or proposed explanation made on the basis of limited evidence as a starting point for further investigation” (Google). My hypothetical person is not real.
If I’d said that people over 50 are such Luddites they can’t turn on smartphones, that would be a stereotype, in the same way as saying fat people are lazy. (Please note, neither of those are my beliefs).
There’s also a big difference between evidence and anecdote. If you are a Monzo user on a Monzo forum it is highly likely that people in your circle have similar interests and behaviours around tech. This does not mean that everyone is like that. Everyone I know votes the same way but that doesn’t mean everyone in the country does. People who have taken an anecdotal line of argument here are actually the ones generalising.
You can see from the stats I posted that over half of 55-64s do not own a smartphone. By definition they will not be interested in Monzo. That is just one piece of evidence. I already asked for contrary evidence but none was forthcoming.
All of this could have been avoided with a simple comment to the effect ‘Did you really mean all 55 year olds?’ and I would have been happy to clarify and indeed get into a respectful discussion. Instead I’m told I am being offensive, silly, talking b*******s, isolated, responsible for perpetuating ageist stereotypes, holding back Monzo’s success etc etc. Whatever.