Just following this guide: "Users Who Criticise Monzo Get Shouted Down Here"
I’m not sure this conversation is going to be particularly helpful or solve the actual issue at hand. I suggest if you want to talk about people getting “attacked”, the above thread might be a better forum.
To summarise: the app is not massively secure, some people see this as a benefit others as a drawback. Discuss without responding to emotion in people’s posts.