I think we are probably getting to the stage where customers aren’t aware of what has happened in the relatively recent past, so questions like this seem perfectly normal.
In a nutshell… It ain’t gonna happen.
See the link below for why.
As for student overdrafts etc, these are all nice ideas, but it’s hard to think that Monzo will do these in the near future, as they are costing Monzo money, not making them money.
The reality is, Monzo won’t have all of these nice little freebies that other banks have, whilst they are driving to make a profit, and monetise various products.