The cause and effect one is kind of interesting to me, it's almost like having a life coach/accountant that gives it to you straight and keeps you on track. For example, what if it knew you got a penalty fee for being late on paying your phone bill and it knew you bought a six pack of beer last week which caused you to not have enough money? Maybe it can berate you and let you know that the six pack of beer > no money in your account > late payment > late fee > in debt and broke? Can an app be heartless? This one has potential.