Does nobody else think that the convenience of PayPoint outweighs the £1 cost? 
I didn’t realise how many PayPoints existed before now! But the fact that they do means that I can deposit money on a work day without wasting half my lunch looking for a parking space on the high street, walking to the bank and waiting in line (or using one of those paying-in envelopes). 
Yesterday, for instance, was great 
I walked to McDonald’s (5 mins) with some work friends and on the way back popped into a BP garage, topped my account up and even got a lift back to work because another work friend happened to be buying petrol at the time 
such luck!
I’d definitely say that I would happily lose £1-3 per year (roughly 3 cash deposits) for the incredible convenience that PayPoint brings with it. 
Besides, Monzo must have saved me plenty over the last few years 
including time based savings such as being stuck on the phone for hours trying to resolve issues etc.