2) Users don't want to give you their username and password for their bank because they're not complete idiots.
That didn't stop Yodlee or Intuit.
> Users don't want to give you their username and password for their bank
That just isn't true. Millions of people give them out to Mint.com, and that was before it was ever purchased by Intuit.
2) Users don't want to give you their username and password for their bank because they're not complete idiots.