Had lots of discussion about this, over here: 
https://community.monzo.com/t/unlocking-your-own-monzo-pot/60975?u=nexusmaniac
It’s certainly an interesting change 
Obviously Monzo have a lot more stats that any one user about unlocking pots 
Needs of the many outweighing the needs of the few and all that 
… But I definitely think that the friction (from my PoV) was the entire point of a locked pot so removing that seems counter-intuitive 
Hopefully, with the suggestions in these threads, small tweaks will be made in order to increase friction without directly increasing COps load beyond a reasonable level 
But leaving the user with a button to unlock their pot whenever they feel like it doesn’t seem like the best way to leave it 