I recently had to freeze and change my card. Gladly, I was in the UK and the new card arrived very promptly. Thank you . However if I was abroad it would have taken way longer.
What I am suggesting (and I don’t know if that is possible) is that Monzo could provide a temporary virtual card which you could add to Apple/Android Pay whitest you wait for the physical card to arrive.
What do you think of that? Or is it our responsibility to have a second card that we can use in emergencies?