[jamespullar]

To be fair, YNAB is rather explicit about how it connects to your accounts and also actively recommends against doing so in favor of manually entering your transactions. My experience with connecting the two is that I still need to manually validate every transaction because on occasion Plaid is either slow or just misses entries entirely.

Also in the case of YNAB, Plaid is not posting transactions on your accounts. It's a screen scraping service transferring account data.

[frosted-flakes]

I manually enter all of my transactions, but for correcting mistakes or for automatic payments, linking to my bank accounts is still very useful.

Also, some accounts update faster than others for some reason. Usually YNAB will import them the same day.

Plaid doesn't post transactions, but it does have my credentials which I said I would not share with anyone when I opened my bank account. Those credentials do allow posting transactions, and while it's not likely that anything will happen, if something does, I'm theoretically responsible. At the moment, I'm willing to take that risk.