> Passbook and Valpak's app saved me a ton of time clipping coupons
I thought this was what coupons are for, a passive kind of price discrimination against people who aren't price-sensitive enough to go to the effort. This reduces friction for most but not for the very poorest customers (who can't afford smartphones). The only effect I can predict is retail price increases to further gouge the people who don't even bother to install this app.