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I'm not so sure about consumers needing to do their accounts etc. I guess it boils down to which consumers you know. I know I need a lot of flexibility from a computer, but I know plenty of people who buy laptops because they find their phone is too small for using Facebook, and because Farmville or Cafe World doesn't work on their phones. That's all. For these people, all they need is a web browser, a Flash implementation, and some way of uploading photos from their camera to Facebook. The only reason they use Windows is because Macs are too expensive and that's what their laptop came with. WebOS or Android would be great alternatives for these people who "need" a proper keyboard and decent sized screen so they can keep an eye on their cafe customers while watching tv.