That may be true, but I still think it's a low-effort way for them to do it, and I expect better from Monzo than this. Plus it tracks people regardless of if t

That may be true, but I still think it's a low-effort way for them to do it, and I expect better from Monzo than this. Plus it tracks people regardless of if they fit in a) or b) - neither of which is the case for me.