I wish my bank/brokerage/etc all had the equivalent of "valet key" logins where I could set-up and manage accounts for others which only had a subset of my own rights. For example, I'd like to hire an assistant to reconcile/aggregate/classify my financial records, but I'd either have to take a lot of time to gather everything up or expose the ability for this person to steal from me. My brokerage account includes the right to buy/sell securities, but I only want my bookkeeper to be able to view my transaction history.

One problem I see is that access to one's financial records sometimes is used as a proxy for identity, much like the presumption that, if you can read an email sent to a particular address, you must "own" that email address. Didn't PayPal once (or even still does?) debit N cents from one's bank account and then ask what amount was charged as a way of verifying new users?