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You are correct about the monthly passes in Germany. I'm a German resident, but an American citizen and do not have a German bank account so was unable to sign-up for the new passes whereas the 9 euro monthly passes from last summer allowed me to use my debit card to purchase them through the DB...
Last year I bought the two month pass for 50% off and visited 16 countries instead of walking the Camino Frances this past Spring (2023). Now as I am making plans for the Spring of 2024 my Deutsche Bahn app keeps referring me to Interrail because it is a cheaper way to get to southern France...
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