There's not really enough information here to tell. Are you getting negative feedback from people who have actually used / tested the product or is it just people opining on the idea itself? Now that I no longer carry cash, it is actually really hard to pay a friend. I ran into this problem yesterday and I still owe a friend $15 for lunch. There's not a good way that I've found to solve that problem (especially in 3 hours) from my cell phone. In short: I'd be pretty interested if this was well executed.