Actually I’ll take back the “unconventional” comment. If you think about a physical fuel gauge (or the balance indicator that I mentioned) this is a standard design. It’s unconventional for budgets but not those types of indicators.
And I definitely wasn’t suggesting that you’re not getting it because you’re not smart. People don’t like change / difference because we’re naturally wary of change. Remember the last Facebook, Snapchat, Instagram redesign or the Monzo name change, everyone (including me) complains about these changes because they’re strange & it’s fun to point them out & then in a couple of months, they’re not bothering anyone & no one remembers or discusses them anymore.
And obviously it’s good to question whether these features are as good as they could possibly be.