User provides credit card info, chooses my app, clicks a button and a few seconds later they get the URL of their app.

From there they can download whatever software the app wants to put on the device, computer -- or nothing, it could just be the website where they write or collaborate or share stuff.

When this gets to be as easy as setting up an Amazon account, there will be an explosion of new software, and it will create serious competition for the silos.