I started signing up for privacy.com, right up until the point where they asked for my username and password for my bank. Why can't they just do electronic funds transfer like Paypal? Seems like a strange user experience.
I use Mint.com to track my finances. I granted it read-access to all my bank accounts (access that I can revoke at any time from the bank's side). Yeah I'm the product, but it's free, saves me a ton of time, and actually syncs with literally all my accounts, from credit cards to my 401k to utilities. That's something I can't say for the privacy-focused options I tried before it.
Also I think HN and the technosphere in general is a little blind to the cost/benefit analysis of privacy for most consumers. People here have intimate knowledge of the technology and what can be done with information, so that's where they focus. Simple fact is there's a lot theoretical damage that could be done, but relatively little damage actually being done on an individual level for most consumers. Unless you're famous/important enough to be targeted by someone with resources, odds are even with zero privacy protections you'll get lost in the noise, or at most suffer trivial damage (having to cancel a stolen credit card or something)
I went through a phase where I tried to lock down my identity as much as possible, installed anti-fingerprinting browser extensions, forbade all cookies I didn't explicitly approve, individually selected sites to approve in NoScript, etc. It chewed up a ton of time, and when life happened and I was forced to re-prioritize my time and stopped maintaining it... nothing happened. It was the digital equivalent of installing steel shutters/doors and reinforced door frames so you can withstand a SWAT team with a no-knock warrant. Simple fact is the odds of encountering a SWAT team with a no-knock warrant are so low that it's statistically not worth the effort unless you're actually an outlaw.
Personally, I spun up an extra bank account specifically to deal with privacy integration. I push money from my main bank to the middle bank that Privacy can then pull from.
