On: I didn't get paid, so I open-sourced my client’s project

[kristianc]

In the UK at least, there's often a liability shift if you do end up using a service such as Plaid.

Banks won't cover you for fraud that ends up happening because of you handing your online banking password to someone and rightly so.

When they do cover you, it'll be because they have a professional relationship with Plaid and/or they rely on other auth methods such as EMV CAP.