We (Zapier) are in a particularly good place to comment on this. We have implemented about 70 very diverse web APIs in-house. Early on, we used client libraries because they were easy and convenient. That decision bit us, hard. (Most) client libraries are un-maintained, opaque, and difficult to extend. We spent many months ripping every client library out down to the raw requests. We are in a unique position because…
Can you respond directly to some of the points raised in the article? For example, ensuring SSL certs are validated?
Even looking at Stripe; they provide a JS library so you can do client-side encryption. However, if you include that JS library on an incorrectly SSLed page, a malicious party could replace it without you knowing. Even with extensive hand-holding, if a user is going to implement SSL badly, there will be security risks.
The only sure-fire solution is for the developers of SSL libraries to come together and implement sane default options, and clear documentation of how not to do things. Looking at the docs for OpenSSL, it`s impossible to easily discern what counts as a sane configuration. The same problem propagates itself into language-specific libraries, where the dev wasn`t quite sure what options to tick to begin with. And so it goes.