Do you think it's just a phase?
Since you were ahead of the curve on the "icloud" concept, what do you think about the whole "Bitcoin" buzz?
Bitcoin is a real thing. I don't think anyone has a sense about what sort of scale it can reach, but at the very least it solves a problem for the subset of the world that wants pseudonymous money transfer. It also gives geeks and economics something fun to speculate on, theoretically and financially, which is cool.
Personally, I still do the majority of my spending via credit card.