All the apps that I read about (I admit I skimmed) all have the same basic problem. The are taking more out of the system than the value added.

It is only a matter of who is getting screwed. Usually it is the worker. Sometimes it is the small business owner. In none of the cases is there a large or even sizable number of good paying, sustainable jobs. Just a few people at the top earning fortunes, and the rest getting peanuts.