I'm really impressed with Arthur at dHealth -- you'll see his comment below. We've been having a conversation off list which has resulted with me doing some playing with the mobile phone features of the website.
He's also going to send me a pedometer, so I'll give that a try again, though I'm not wild about dealing with gadgets, plus pedometers rarely work with my clothing.
I'm not sure how and when I'll use it, but it looks interesting. Supposedly you can textmail someone a payment instantly. I've referred my sister, and I think it would be handy to be able to send her money -- like for her birthday -- rather than dealing with a gift card, which by the way, is still sitting on my desk. I am thinking sending it to my mom will be the safest thing to do with it.