It's possible I'm overreaching, yep, but I think the past decade has shown - is showing - that simply 'assuming the best' of what will happen with rapid adoptio

It's possible I'm overreaching, yep, but I think the past decade has shown - is showing - that simply 'assuming the best' of what will happen with rapid adoption of new technology isn't the most effective strategy. Daemons will come home to roost over time. Even if users are technically opting in, and even if everything is documented in the privacy policy, a potential end-game here is that startup companies have access to all bank transactions for the people who need to use Plaid - likely people on the ground in the sharing economy who rely on it for payments - and the more fortunate/wealthier folks continue to have financial privacy by virtue of not needing to use it. That would be a really unfair world to live in.