Yes. I assume Plaid will result in all my money getting stolen, with me having no recourse (the terms of service deny any recourse if you share your username/pa

Yes. I assume Plaid will result in all my money getting stolen, with me having no recourse (the terms of service deny any recourse if you share your username/password and someone initiates a transfer using that) and/or my bank accounts being forcibly closed due to violating the ToS (via sharing username/password). So I don't use Plaid, or services which require it.