one of the very first posts by head of marketing talking about the bulb offering -
“We sent the offer via a feed item as that was the easiest way to send to people rather than creating a separate section of the app … but the long-term plan will probably be to have a separate section of the app for offers like this (although we may still use the feed to surface them, depending on the feedback we get) - we’ll see how it evolves! If you find this spammy and don’t want to receive future offers, there’s an easy way in the flow today to opt out of future offers.”
lets just wait and see whats on offer before we all start saying I don’t want this I don’t want that - Im leaving Monzo because of what people that use Monzo are speculating on as a service won’t suit me , and it hasn’t even arrived yet , but Im off … patience 
then criticise