A relatively simple fix for this would be for banks to allow me to create a read-only user ID and a transactional user ID...I could hand the read-only credentials to services like Plaid. I suggested this to Fidelity over a year ago and they looked at me like I was crazy.

Banking in the US is so horrible at the moment. there’s an immense opportunity for someone to come through and give a better consumer experience, but I fear the barriers to entry are far too high. I had high hopes for Simple.com, but they ended up destroying about every useful feature they had and falling way short of the mark...

Sorry, what I meant was - even if Plaid has username and password, they won't be able to login, at least with BofA, they ask security questions, image identification etc