Hear you 100%. It's certainly not for everyone, and I respect your position.

I appreciate it, but by giving horrible companies like Plaid your business you are encouraging and normalizing poor security practices. My parents are almost 80 and use a local bank that I’m pretty sure would just be scraped by Plaid. Do you think they’re going to understand the difference between OAuth and storing their credentials? Plaid and any company like it should be shut down.