I agree that distribution is key. I think the point was more that Apps are not making near the money I would have thought they were making. To be ranked in the top 20 in "Top Grossing" for Finance, I would have expected that number to be much higher. That means that the far majority of Apps in that category aren't making much. In other words, I have distribution down much better than others.

The bubble I was referring to is really the bubble of way-to-many apps on the App Store. This bubble is driven by too many people having the expectation of creating an App, and having it "Go Big". As that expectation "pops", there will be far less people getting into the App game.