You seem to be a little bit obsessed with the idea that Monzo should improve Pots just because Revolut’s Vaults have additional functionality but that’s not how this works:
- users haven’t requested all of that functionality
- Revolut isn’t Monzo’s competition right now (the high street banks are)
- Monzo doesn’t build features / functionality just because other companies build it
As the team has said, there are other things that are a higher priority. They’re never going to have infinite resources to build everything we could imagine so they will always have to pick & choose. That means that their decision not to make this change right now doesn’t indicate a lack of resource, it indicates a different focus, which is informed by information that we don’t have access to. You’re just going to have to accept that, rather than suggesting that they’re doing something wrong by not hiring another engineer for this.