I'm surprised Mint was successful at all, given that you have to give them your financial account login ids and passwords to use their system. Storing such data centrally seems like a big risk to me.
I wonder if paying for someone's lunch might, in some cases, might make them feel less friendly towards you. For example, if they feel as if they owe you something and are not in a position to return the favor. They may start avoiding you in that case.
Can someone tell me why cut and paste is so much in demand? I've been using my iPhone for months and never once needed it. Are folks editing documents on their iPhone?