I don’t see having a Personal Account as a prerequisite for having a Business/Joint Account. While I personally don’t have a business account, if I didn’t need to have the personal account, I wouldn’t have it. I see where it originates from though (JA’s bolted onto PA’s as an afterthought in late-2018) but there is no need for both. I’m guessing the Business Accounts are also ‘bolted-on’ to PA’s in the same fashion. My PA lies almost dormant. My wife’s PA lies dormant. We operate only with the JA - so we can’t get loans/overdrafts or shared tabs, monzo.me links, IFTTT integration, etc., etc., etc.
Substantial work required to make Monzo account types ‘equal’ in operational parity.