Does one necessarily have to make a purchase prior to payment? Couldn't this concept include a "wallet" as well? Just tell the Qwacker "Bill me $10", take the $

Does one necessarily have to make a purchase prior to payment? Couldn't this concept include a "wallet" as well? Just tell the Qwacker "Bill me $10", take the $10 coupon and $10 cash to the 7/11 and get credited with $10. As an option, possibly for somebody who wants to repair a bad reputation.