Now, for my next prediction  - related to all of the above.
Within a year Apple will make MobileMe an iPhone back-end peripheral. When they do that iPhone users will not need a local copy of iTunes (PC or Mac), and they won't need an ISP. After that Apple will make MobileMe into a Facebook competitor.
Next year's iPad will come with a starter MobileMe subscription.
 I'm a dreadful prognosticator, but it doesn't stop me. I'm often right in the long run, but usually premature.