But since that's kind of a hassle, then you'd whip up a quick app that lets people easily amortize a larger contribution over a series of coffee-scale contributions. Connect that to their twitter account, and you can credit each individual coffee donation to an individual and report them individually.
It's effectively the same as having a larger account balance, but since you're not holding the money it feels more engaging and social for folks.
I will strenuously avoid this turning into anything resembling a bank - it needs to be more like a "take a penny, leave a penny" tray sitting on a Starbucks counter. If someone want to be a jerk and empty the tray into his pocket, so be it. They're just a jerk who I'm sure will get what they deserve in life.
Fingers crossed, j