Ok fair enough I didn’t appreciate all the different user requirements that need to be considered. Having said that, something would be better than nothing and clearly there’s a demand for it given the feedback on this forum already.
Not doubting the demand at all.
As a software engineer, I completely agree with you that people underestimate what goes into ‘just add this simple thing’, and of course I underestimate how long it’ll take me to do, too!
In this case though, given it was ‘coming in the next few months’ three years ago, and it’s been radio silence since, I’m pretty well convinced there’s been a product decision not to support category splitting. Perhaps because Monzo wants the marketplace to take off to such an extent that ‘categories’ isn’t a core feature, so enhancing it further is short-sighted. Just guessing.