I guess it depends how you see it. I see pots as Monzo savings accounts that are much more accessible and easy to set up and use than a traditional savings account. When I was legacy I didn’t have the savings account for the ‘interest’ (quotes because it was basically none) I was getting it was for separation of funds. So to me pots are a user friendly version of that, which means I still see them as separate accounts effectively. You don’t have cards and have the ability to pay for things with savings accounts so it’s really just the same thing.