> but at least you probably don't need to trust that Paypal and Mint are both going to store your credentials securely. Sure you do. They have it in plaintext

> but at least you probably don't need to trust that Paypal and Mint are both going to store your credentials securely. Sure you do. They have it in plaintext on their servers. It can end up in logs. It's also not just Plaid - Mint uses Intuit, Yodlee is an option. There's a whole lot of people you need to trust to use these services For many banks, it also means you need to disable 2fa on your banking account, so using these services directly weakens your security.