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It's an issue that bothers Apple's lawyers too: "An Application may not itself install or launch other executable code by any means, including without limitation through the use of a plug-in architecture, calling other frameworks, other APIs or otherwise. No interpreted code may be downloaded or used in an Application except for code that is interpreted and run by Apple's Documented APIs and built-in interpreter(s)." (SDK agreement, section 3.3.2). This ensures that all code goes through Apple's approval process, and limits the model to frameworks such as those described above, so one cannot create a shop-within-a-shop and start selling off their own apps (Flash would have been a similar "threat" to the AppStore, and that very clause in the agreement is pretty much the reason why there's not -and there will never be- Flash support in Mobile Safari).

I love the life tracker idea :-) I'd imagine it integrated with data that's already being gathered one way or another: the iPhone can be used to track expenses, time, paths in physical space, pictures, calls, text messages, tweets, songs you listen to etc. It's still not technically possible to import and integrate those tracks from the different apps that maintain them, but I'm sure everyone agrees there's huge value and potential in having control over that unified stream of data.