Could Apple Turn iTunes into a "Bank?"

Could Apple use iTunes to create some sort of banking or payment or lending service? Some think Apple could do so. 

Apple has filed a patent for an "ad hoc cash dispensing network" that allows users to exchange 

The user of a client terminal (an iOS device, presumably) sends a request for cash to the cash-dispensing server. 

Based on location, the cash-dispensing server locates one or more other users that are close to the requesting user and verifies that at least one of these proximate users is willing and able to provide the requested amount of cash. 

Following the transfer of cash between the parties, the requesting user's account is charged for the service while the providing user's account (iTunes, presumably) is credited for the service.

Apple presumably would charge a service fee that’s shared with the lender. 

That actually does not make as much sense to me as if the system became way to refresh or recharge a person's credit or debit card, on a peer to peer basis, especially for moderate amounts of money. 

That way, no actual cash changes hands. The lender gets a credit in his or her iTunes account, plus part of a service fee. The "borrower" gets additional borrowing capability on a credit or debit card.