Yeah, if only you could solve that problem instead. ;)
I don't agree with this mindset at all. People should build things they want to build. I agree—I wouldn't hand my bank credentials over to this service (or really any unknown third party), but I don't think we should say that the OP should have spent their time on something else.
Fair enough. However, I'm tired of cleaning up after people who don't care about obvious security issues. Really, really tired.