[mocko]

> How do you know the scale and how are you not sure that it's a vocal minority?

Read the articles and look for similar experiences for other banks. There's definitely a lot more noise about Monzo doing it. Maybe (as another comment suggested) there's a selection bias at work but I assure you it's a real thing, and appallingly handled by Monzo when it happens.

> Because maybe they are being forced to hide behind that?

That misinterprets what I said. If there are rules that say they don't have to be accountable for a misfiring fraud prevention system that hurts real people, where is the incentive to fix it?

[physicsguy]

What's the average age of a Barclays or TSB user vs a Monzo user? According to this, 72% of Monzo customers are 18-35: https://www.businessofapps.com/data/monzo-statistics/

If that's the case, it's fairly obvious why there'd be a lot more noise - a lot larger percentage of people in that age group doing crypto, and a larger percentage are "very online" and likely to complain about it there.