Is it possible for monzo to provide customised budgets or referrals for people with financial struggles. So for example if your paying to a DCA through your account can monzo not ask how much that is and recommend to you based on your current spend how much you could afford to pay or save to pay off earlier. Then allow you to create a pot for that to cypher your monies into so like a budget of soughts. Also maybes information about what people could do when facing these difficulties.