I live in the UK and also recommend Monzo. They have a good app but the thing that stood out most to me was the correct use of emoji in their terms and conditions. It is definitely a modern bank.
I agree with your comment about System 2 like reasoning not being common right now. I am not an expert in the field but the closest thing I have seen to learned planning is: https://arxiv.org/pdf/1911.08265.pdf
In IPFS the user's computer connects to whatever node has the content, popular or not. This means that even if the the 100 most popular nodes in the world have enough pressure put on them that they refuse to host a file, I can still host the file on my laptop and everyone with an internet connection will be able to access it.