> Invalid or broken content should return an error, the parser shouldn't try to "fix" it.
You would have a really difficult life in web scraping. You do not have the guarantees of well-formed data. Instead you get HTML with mismatched tags, JSON with newlines in the middle of strings, content that claims it's UTF-8 but upon closer inspection is actually GB2312, pagination endpoints with off-by-one errors, etc. It's an absolute mess and taking the stance of "well, they didn't encode their JSON correctly, so we're not going to operate on their data" isn't a very effective strategy.
> Which is especially bad when you're dealing with money transfers
Afaik Plaid is read-only. They fetch information from financial institutions and make it available through an API.