@panepinto1959 You are 100% correct in the world of paid software.
In the world of free software, vendors do not want and can't afford to have high maintenance solutions.
Do you work in or have you worked in software? Because your response is very unrealistic from a software implementation perspective. Anyone who has worked in software understands ITIL and software change control. For a free software vendor they are not going to have resources that are sitting around waiting for another software vendor to make a change so they can then update their software. They would be taking the simplest software solution with the least amount of maintenance to accommodate the need of the product. That was screen scraping and that is why Mint/Intuit and other software vendors like Fidelity use it to gather data from other data providers.
When you have a pay software provider like Quicken, they can have a specific interface that they agree upon with the data providers and they will maintain that. They will also be notified by the data providers when the data provider is going to make a change to how they would extract the data. That is why the consumer is paying for the product. This insure a more stable product.
When you have a free software tool, like Mint, people should not expect it to accommodate unannounced changes that are made by the source data provider immediately. Especially when the source data provider (USAA) doesn't even admit they broke anything until almost 3 most after the problem.
