Like several others in this thread I have come to like the Summary tab and find it very useful. I find pretty much everything in the tab useful and after using it for a while find it easy to use. However, I do remember that when I first tried to use it I had significant difficulty understanding it, in particular understanding the difference in behaviour depending on whether or not you have set a monthly budget. I had to search the forum for explanations of how it behaves. This shouldn’t be necessary and surely puts a lot of people off (most people won’t put in the effort to understand it that I and other forum users are willing to do).
Here are some of the things I wrote last year just after I had more or less figured it out but still had some uncertainty and was also trying to help someone else understand it (this is perhaps more useful to Monzo than my thoughts on it after using it for several months).
So I think Monzo either need to do a better job explaining or signposting how to use the existing Summary tab from within the app, and/or think up a more intuitive approach to spending analytics and budgeting (I don’t know what that would be myself).