In light of recent banking outages in the UK, particularly Barclays suffering a significant downtime that left customers unable to access their funds for two days, the implementation of Monzo's Stand-in system showcases a proactive approach to ensuring service continuity during cloud outages. Monzo's system allows for a minimal viable banking operation to remain functional, enabling customers to access basic services even when full systems are down. This approach could serve as a valuable lesson for other financial institutions to adopt similar strategies to mitigate the risks associated with cloud service dependencies.