I think marketing and VC valuations grew them into a multi-billion dollar company; whether they remain so, to a large part relies on how fast they burn through VC cash - so, not looking too good on that front...
No even half-way competent engineer would come up with such a complex, unperformant solution to a simple problem - I think a higher priority should be hiring engineers who actually have a clue what they're doing.
As for meeting business requirements... while this might have worked for a while, it was plainly not a good way to meet them, and given Plaid are in the banking sector, really doesn't bode well for the future (I'm having flashforwards already to security breaches, plaintext passwords etc...).
