Companies capitalizing on convenience is not new. If you want to go to the ultimate end of the spectrum where you don’t need to give up any info to a third party, open source applications have you covered. Firefly iii, Actual Budget to name two with existing bank integrations.
It comes down to your personal risk tolerance and appetite. If you have no tolerance, don’t take the risk and stick with your convictions instead of grumbling that you had to give your bank statements to download a scammy Tetris app.
With respect for your writing, I couldn’t understand the argument against meeting people where they’re at. The wife approval factor is the tongue in cheek official benchmark for acceptance. It’s gentle wisdom that can be applied to all potential users, and I understand it to mean compromise is always needed unless your partner is also a FOSS advocate.
I love free software, but I come to it almost purely from a privacy perspective. And if privacy is the main goal, there is commercial software that doesn’t care about vacuuming up consumer data. So for some, including me, it’s only a question of risk - tolerance, appetite, and mitigation.
Admittedly I think I don’t yet understand the free software movement. My journey began with docker and self hosting some alternatives to big commercial software. There’s probably more need to explore why meeting users where they’re at is a good rule. Me as an example, I may have overlapping interests with free software but my motivations are different. Therefore the fundamental need for me to use a libre alternative to discord just isn’t there. That’s not to say I wouldn’t be able to appreciate libre more as I interacted with the software and community (regardless of the platform theyre talking on).