I'm not trying to troll but the reaction to "It's my f*cking data!" should be to seriously look into projects like Urbit. Where you do in fact own and control your own data.
Interesting you use Plaid as your only onboarding ramp. I am personally on Morgan Stanley and am completely locked out of Plaid and have to do manual entry. Have you thought about other "easy" money transfers such as Venmo, Cash App, etc
I've always wondered how to think about this dichotomy - there are other examples besides Ford, Apple sometimes, etc. The way I've thought about it is the classic "ask what your customers want" relies on you to bring customer context and understanding to make another jump to what the underlying problem is. "faster horse" -> "get from point A to point B faster"