Lock in? Maybe. Maybe not. One person's "lock in" is another person's godsend.Either way, there will be huge benefits for iPhone ecosystem users: convenience and security.Sign me up. Oh, and in case anybody has forgotten, Apple has worked long and hard on adding value to their hardware.iTunes, iWork, iCloud, and umpteen other ecosystem features all add enormous value.An "iWallet" strategy would add significant value to that already massive ecosystem.