Regular people are willing to pay money to interact with people they care about.
You keep reading stories about how cellphones will be used for checking stock quotes and making trades, buying stuff, and other eCommerce. It seems business plans are based on people paying for such stuff. I think that eCommerce is not where things will go. If you look at normal people's use of the Internet, cellphones, and other communications technologies that they pay for they are not driven by wanting to buy things or track their money. Most people don't buy and sell stocks so frequently and on such whim that they need to do it on a cellphone.