I do think this is a problematic factor in how Monzo is/has tackled budgeting - and one I hope gets done differently in the future (and I’ve said lots of that in the dedicated “make budgeting better” thread).
But I think it’s a shame that, in the Monzo universe, “Budgeting” has almost become synonymous with “cutting down costs” or “saving money”, when in reality it could open more doors for more users as “Making a plan for my money”, which is so much more interesting and empowering, IMO.