Good news is that Monzo have built their contact access with privacy in mind, so your data isn’t exposed (even to Monzo).
I’m not sure why you keep complaining about the contacts access, and not acknowledging it’s done in a way that is secure and doesn’t expose the person’s data? It’s not like this hasn’t come up before when you’ve raised the issue (click the to see the full quote).
to see the full quote). 