I'd be really interested to know what to properly call it, but IMHO this is the kind of thing that the market will never solve top-down because the structure of the relationship would never support it.

I think an on-the-ground solution that caters to the long tail would be the only thing that would basically survive. Everything else would succumb to social forces and basically just fizzle out.

AirDropping Apple credit could be an interesting pilot study, but I doubt Apple would do something like that sadly :/