Steve Blank speaks about the technology lifecycle adoption curve [1], and I think this entire "health + mobile" market is (optimistically) on the far left end of the curve.
The problem isn't the problem - it's how people feel about the problem. I know I can have a completely digital banking solution, with even phone support 24/7 if I need it, but I don't want that. Banking and my money is important to me, and when I need advice or have problems, I want to walk into a branch and speak with a real person. I'm not a dinosaur or a luddite - I'm 24, and I'm well versed in emerging technology.
I feel even more strongly about my health: I don't care that I can take a picture of my ear drum and send it to a doctor and have an antibiotic prescription that I can forward to my pharmacy and pick up in 30 minutes: there is something wrong with my body, I am concerned, this is important to me, and I want to speak to someone who is trained, credible, and can offer medical advice. The trouble with digital services that attempt to melt themselves into the physical world is that important things need to be dealt with by people. A doctor offers credibility and that is what I want. A 99c iPhone app offers no credibility, and for important things, credibility is important. If a doctor waves off my ear problem as "sleep on it for a few days, here's a note", I trust his advice and I'm more than willing to go through with it. If an iPhone app told me the same, I'd be probably reaching for the uninstall button around the time I'm dialing a doctor to make an appointment.
1. [PDF] page 23/45 http://www.stanford.edu/group/e145/cgi-bin/winter/drupal/upl...