[fragmede]

I agree! 1,999 more data points would be better than two, but that seems like a weird number to choose.

You might be a statistician, but I'm also assuming you're human, with messy emotions (I am too). Two data points, even if they're really close and personal for you, is still only that, two data points.

I'm sure I'm going to find complaints. People aren't incensed and go online and post "hey everything's fine and went smoothly and I had no problems" when that's the case, they only do that when they're angry about something.

I don't have a Monzo account but I've been on the Internet long enough to recognize that bias, in myself, and others.