[renewiltord]

I think if your threat model involves that being risky, it's probably best not to use Plaid/Pelm/Arcadia. My threat model and that of any users I can imagine is not in that realm.

[zomglings]

I don't use Plaid and as a result I also don't use services like Brex which are impossible to use if you reject Plaid.

[renewiltord]

Seems consistent with your threat model. Good work.