Really interesting to hear your thoughts and thanks for sharing.
I totally see what you mean RE asking the community for “advice” and I agree with it. A strong internal set of values should guide the vision. I think I understood that one of their values was to make banking more fair and so I understood them asking the community not what to do, but how to make it the most fair. But ultimately that was just my perception which was most likely wrong!
Great to hear Monzo enabled you to take control of your finances 