I feel they live very differently and would spread ideas among their network when some app/service helped their live (cheaper, easier). I have some friends and family that fit into this mold and it's obvious they have a different thought process when making financial choices, even simple ones like shopping for groceries, and they depend on things that >=average earners don't.

And, it seems most of them have smart phones these days. So it's probably only a matter of time before something hits big with this group.

Most apps are for what many would say are "rich people." You pay someone to drive you? You pay someone to run your errands? You pay extra for grocery delivery? Eating out is expensive enough, you paid extra to have it delivered? It's for people who can afford convenience. Opportunity cost is not a real thing for poor people because they lack opportunity.