Micropayment Idea

I have thought for some time thought there is a need for a mobile, web application that would bring credit card payments into the realm of impulse decisions, similar to the impulse purchases that got folks into debt in the first place.

It could be called, Save-a-Latte, and would work like this: You are walking down the street, see a Starbucks and are about to impulsively go buy a premium coffee beverage, but if you resist the urge you could open your phone, and pay $3.89 toward your credit card debt, thus getting some sort of satisfaction right on the spot.

It could hook into your personal finance software and bank accounts, display some nice graphs and encouraging data.

What do you think?