I am in violent agreement. In Australia we have a government-legislated initiative called the "Consumer Data Right", through which the development and implementation of Open Banking APIs across the banking sector has taken place. Unfortunately to access these APIs you need to be an Accredited Data Recipient which places all sorts of (quite reasonable) obligations upon you. No one seems to be interested in making these APIs available in a direct-to-consumer model for their own personal data only - where compliance with the obligations should no longer be necessary since it is at your own risk.