I completely understand where you’re coming from, and you’re not wrong in that Monzo don’t owe us anything. But what you’re saying here comes across as gaslighting, to me.
But I believe we always have a third choice, and that is to engage in the act of providing constructive criticism and feedback. Monzo say they’re open to that, as do some of the coral crew members. After months of being told take it up with Alan which leads to a dead end, cookywook made a post welcoming feedback to his inbox, and Peter’s also reached out to me for feedback too. That’s great engagement, I applaud it, and it’s why I’ve not left or asked for my account to be closed like a lot of others have. I’ve not given up it, purely because Monzo’s leadership have expressed the intention of welcoming criticism and feedback; a third choice.
And whilst Monzo don’t have to heed or acknowledge any of it, because they don’t owe us anything, then, frankly, they shouldn’t be inviting it. To suggest otherwise, is, again, gaslighting.
If my options were limited to the two you presented, I would have left Monzo’s community and closed my account with Monzo as a result of my early experiences there. It can be a very unwelcoming and hostile place at times, and no one is currently protecting users from that. I’m sure this is not the sort of behaviour Monzo want to endorse and would rather folk raise those things than just leave?
I think this is an ever so important thing with online forums and communities. Forums are, and should be run for the benefits of their community members. As a user, I agree to follow the code of conduct, and in return the community leaders agree to enforce it equally and fairly. I’ve seen long standing members violate it so clearly that there’s little left to interpretation be lapped up by their peers and supported by moderators, whilst new outside members are attacked, abused, and have their threads locked as a result of loose interpretations of the conduct, particularly when the close knit long standing members don’t like what the new user is saying.
I’ve seen a lot of communities die because they failed to understand this. Trolls may have ruined the forum at the weekend, which has led to the situation we’re in now. It’s easy to blame trolls, but trolls are almost always a result, not a cause, of something.
It’s not right that folk get abusive, nor is it right that folks have their stuff moderated when it hasn’t broken the code of conduct.