I'm not conflicted on it at all. Plaid might need to do this for them to work, but there's nothing that makes Plaid required for anything you do with your banking. People keep mistaking convenience for necessity, and that's how we keep ending up with hacked-together services that leak everyone's info and worse.

I'd rather have no convenience than a convenience that hands off the keys to my life behind my back. And so should the rest of us.