I wonder if a world pandemic that would enable them to lend out £2 billion of taxpayer money with zero credit risk was in their business plan 
I’ll be really interested to see where Starling are this time next year - Once the forecast ~50% of BBLS loans have defaulted and their new lending is being booked under IFRS 9 with > 0% credit risk. For context, IFRS 9 is a killer for any company quickly growing their lending book since you have to book your next year of losses upfront!
I really hope they can ride the wave though - They’re doing a great job of advancing finance and banking in the UK (along with other fintech banks)!