Soon we will all be paying for our purchases with our phones. What I like about Starbucks’ new system is that you have to link to a Starbucks gift card. I think linking it to your credit or debit card would be a bad idea, but if you had accounts with each of your favorite stores, that you could load with only as much money as you feel you should spend there every month it could be a great budgeting/spending control tool as well as being convenient. Hopefully you wouldn’t have to buy an actual, physical gift card each time you wanted to reload.