With every respect, this is not the place to keep arguing about the merits (or not) of the 50p fee.
If you can be bothered, I’ve already explained in the proper thread how I was very vocal against the fee structure at the beginning, before thinking about Tom’s argument for his decision to go fixed-fee. I now feel Monzo is providing an alternative to the charges-by-stealth of legacy banking. My argument runs over about 15 or so posts.