Unable to split bills without sharing contacts

Literally overnight, I am no longer able to split bills with anyone without sharing contacts. It won’t even let me split with favourites who I’ve transacted with. Last night I was able to split just fine so it has just changed.

Why is this? It’s seem unnecessary. I understand the logic behind searching your contacts to see who’s on Monzo, but to block splitting bills with contacts you’ve previously dealt with seems like a dark pattern to force you to share your contacts.

Thanks