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It depends on the user’s role in accessing the database. For example, a data query-only user should not have access to "INSERT" or "DELETE" although business logic is prepared not to do these tasks, if the user, for some reason, is misused, will be able to have more permissions than desired.
He must have only the ones he really needs. He must not have any more.
– Bacco
Never provide, create an application that makes every connection to the bank through your code
– Sveen