they can try to justify it all they want, using these apis still breaks multiple federal laws
i noted this in a previous thread with them, to which they replied if its your data you can access it which ever way you like. Which is like saying i can hack into my bankers computer remotely to view my account balance. Which is still illegal.
Using unapproved apis is unauthorized access to a computer or network, illegal in the US at least, which ever way you want to try and look at it
Remember both Plaid and Aaron Swartz did this, it can end if very different ways. Obviously the government can pick and choose who to send to jail, but that’s a risk