Within five years, some analysts say, there will be no rural clinics worth saving in the poorest areas.

ECONOMIST: The land that time forgot

Besides saving some plastic, the Passbook entry adds some worth through geofencing that reminds recipients to splurge if they're near one of Apple's steel-and-glass stores.

ENGADGET: Apple starts offering Passbook-enabled gift cards, may save our hides in holiday shopping

Just as high marginal tax rates may dull work incentives, high saving requirements may make some people decide that working more just isn't worth it.

ECONOMIST: Compelling reasons to save