I understand and realize that you are not being argumentative. Nonetheless, your argument is a red herring.
Apple failing to provide a mechanism to download transactions does not guarantee that customer data will not be compromised. The mechanism used to download transactions is an extension of what users are already allowed to do and must be able to do without resorting to paper delivery of statements by regular postal mail.
All of those breaches you cite were the result of a failure to follow their own security and maintenance protocols. In every case, the exploit took advantage of deficiencies in patch management, support and maintenance, and just general negligence by people who were supposed to be responsible for securing the infrastructure.
Apple and Goldman Sachs vulnerabilities, if they exist at all, are likely in those same areas. And if those vulnerabilities exist, they will get hit regardless of any claims that feature limitation protects me or anyone else. It doesn't.
Arguing that allowing integration with Quicken opens up a new vulnerability is a non-sequitur. The more likely reason is that the integration is lacking is because it isn't a priority to them, or, they would have to pay Goldman Sachs to enable it and they don't want to.
Goldman Sachs, by the way, has the integration for other accounts -- just not Apple Card!
