But you’re creating extra stress on the situation. If you expect it at 2am tomorrow and it appears at 4pm today, that’s a nice bonus. If you expect it at 4pm today and it comes at 2am tomorrow, that is going to cause the stress.
Monzo could take the function away, there’s a delay to the payment, it changes, it’s done another way and suddenly the 4pm option is gone.
I feel like you’re reading into something that’s not being said here.
No one is saying people aren’t struggling, don’t need the money, or any of that.
Just that, purely from a budget planning point of view - aligning your budget to the get paid early date isn’t wise, because it might not happen.
And there’s a huge disclaimer on the page that Monzo may remove this feature at any time without notice. I’d hate for anyone to get into financial trouble because they’ve expected it to arrive early - then it doesn’t.