"Exactly - and talking about the app "helping the needy" is especially dishonest. Sure she can pay $3 a week instead of a $35 over-draft on her Bank Account -- and if you think that's help then I assume you've never had to live on minimum wage."

It's not up to me to decide, nor does my income-level have anything to do with the validity of my arguments. You simply have to answer "is this person better off with this thing X".

If we go under the assumption that steady-income is better than unpredictable income, then the answer has to be yes because this app satisfies that requirement. Let's not confuse that component with discussion about "real" help for the needy. There may be better ways, but that's a separate talk of "what is the best help for the needy".