somebody should make an online "tipping" application
the idea is that there are lots of small things that people want to spend small amounts of cash online on, but nobody wants to go through the process of opening another account, putting sensitive information into the pipes, etc
it'd be like paypal crossed with nexus cash - but you could never have more than about $20 in it. you can charge it with either a credit card or by buying a charge card at your local drug store.
basically paypal, but functional and secure via account limits and variety of secure ways to put money into your account.
if you've tried to use paypal in the last year or so, you understand why this is needed.