Am I really such a unique snowflake that nobody else even thinks of this?
Maybe I should patent it. It's obviously not obvious!
They could register a branding for compatible download systems.
Also not every source generates valid data files :(
Saying that those suggestions aren't valuable or worthwhile just because 100% of use cases can't be accounted for probably isn't the best way of deciding which features should be implemented (and if it were, then it seems like most of their current features should have never been built since they rarely seem to handle even 80% of use cases).
For example, for a checking account there are:
1. The monthly statements
2. The transaction data in CSV, QIF, QXF formats
3. The tax filings (1099)
4. Overdraft notices, safe box bills
For example, I fill up at a gas station. Is that for a business purpose, or not? The computer cannot know. An awful lot of such decisions need to be made.