Sorry buddy, you’re flat wrong. If you mean mean like the several rather lengthy posts that I have done before in this area, then that’s been tried. The Monzo team need to wake up to this, and a glass of ice cold water across the face seems the only path left. Monzo at its core is about managing your money, and at the moment it does a crap job. Rather than flesh out every product line under the sun - including the rather pointless Monzo Plus - they need to tackle the core issues of actually managing money and budgeting, before one of their competitors does.