Yes - we will run into this problem eventually with a single OAuth application. Having our customers use their own credentials is a workaround but won't work for some platforms that have a really onerous approval policy for new apps. If you or anyone else knows of a solution to this problem let me know, because we haven't crossed that bridge yet.
I worked at [undisclosed Fintech] and their solution was pretty funny. They had a rack of mobile phones on 3G/4G running Android to poll [undisclosed throttle-happy bank]. Was an incredible hackathon project that lasted years.
