Yeah, I agree. And here's some other cases where it simplifies life the Apple way:
Parents pre funding their childrens' accounts.
Friends pre funding each other to gift, lend, and pay back debts.
Apple partnering with a service partner guaranteeing payment completion.
Replacing bank certified checks: "As close to cash as you can get" might be the motto.
Again, I do agree there will be cases that aren't attractive.