That's nonsense. Different banks don't have direct access to one another. HMRC/IRS don't even have direct access to your bank. Anyone who has ever tried reconc

That's nonsense. Different banks don't have direct access to one another. HMRC/IRS don't even have direct access to your bank. Anyone who has ever tried reconciling separate accounts knows how hard it is. To have it all in one account, and therefore queryable from one single API, is an absolute step function in the direction of surveillance. Just think about how taboo it is to ask someone how much they make/have, and think about why it's taboo. Financial information is some of the most private information there is. Before you know it, with all of it under one API (or in one account), Equifax will release a product gatekeeping access to this API to "verify" income or assets, but in a far more powerful way than they already do.