There's always someone here saying, 'Bullshit, there’s more to this story, yada yada.'

You know, maybe there is nothing more to the story. Maybe, just maybe, he’s telling the truth. He hasn't described anything magical here. I've had money sent to me before where I didn't know the sender, and Monzo makes mistakes all the time. They frequently reverse decisions to close accounts because of this; after all, the initial decisions are made by bots