I think that Uber solves a very specific problem and that you are right with your analysis Karen. One aspect of these "frictionless" payment models is that in many cases they drive up significantly the merchant's cost of acceptance due to the lack of support for much lower cost payment methods like pin debit and cash. To use your grocery store example, an extra 50 or 100 basis point acceptance cost would in many cases be the difference between operating a profitable vs non-profitable store.