In some ways you’re right, if you were to consider the forum as the beginning and end of the community experience 
The forum isn’t everyone’s preferred medium for connecting with both the Monzo team and other Monzo customers. We’re looking to build on the incredible foundations we’ve established here to reach as many of our customers as possible through things like in person events, social media and user testing sessions.
It’s important that the wider Monzo community feel connected and listened to, however they feel most comfortable.
In my eyes, the service we provide and community activity should be a single offering - continued feedback and input from our customers plays a huge part in building something of real value. Aside from this, it’s also a lot of fun We’re working on bringing the community experience closer to the app experience so that thousands more of our customers can enjoy the best that the Monzo community has to offer!!