I wouldn't think so. There has to be a way to access the file that doesn't require it being on app's own servers. Why can't it be saved somewhere users have direct access to like DropBox? If you ever want to delete your data from those apps/servers, how would you ever know if it was actually removed form their servers? I don't think it's something that should be taken lightly since it's all your finances plus the credentials to access those finances.