A qualified absolutely. I love to build side projects, and generally the first iteration is very poorly built. If your goal is to put "ideas on paper" so to speak, then you're 100% right. This could even make it to early production if you're really in a pinch.

I think though that there's a point where you need to move past the bad practice and find, or create the right way to do what you're trying to do.

Except in this case Stripe provides a way for 3rd parties to access your Stripe account without giving the 3rd party your password.