Starbucks has released the IPhone app that let’s you pay for your coffee with your phone. It’s a convenience they say. And it may be for some people although, as coffee lovers, we find it hard to see how. In order to be able to use the app you have to load money onto your Starbucks card first. That gives you credit, the same kind you have at the bank with your debit card. Is that easier than just producing the debit? Tell us. And oh yes, this app represents a nice windfall of advance payment for Starbucks. Put $50 on your card and buy an espresso for $3. The rest, multiplied by millions of customers, is one nice piece of sugar cake sitting in Starbucks bank account.