I don’t want any of my banking data to be accessed by a third party, I just want to transfer money. Account + routing numbers do this just fine over ACH and co

I don’t want any of my banking data to be accessed by a third party, I just want to transfer money. Account + routing numbers do this just fine over ACH and come with fraud protection for me — we are trading our own protection for someone else’s (whatever third party is using Plaid) and gaining nothing in return in addition to giving them all of our financial data. Incredibly, the transactions performed after linking to Plaid are probably all ACH anyway.