Benefit of using CI - an honest question

While this seems logical, it is a very dangerous thing to say, especially when giving advice - it's discouraging people to think about security. Especially your second paragraph, it sounds like you're suggesting that storing passwords in plain-text is OK - it is not, period.

It doesn't matter if you're building a teapot or banking software - security is a requirement, not something that you decide to have or not.

If I didn't already know your opinion it would almost sound like you're making an argument for including an authentication library into CI.
Authentication, not authorization.