Fills a need, room for improvement

Glad to have found this. Id like to be able to have non-monetary exchanges too, like plain-old "owes me lunch" (say, I won a bet; theres no amount) or "owes me a backrub" or "I owe so-and-so an afternoon of childcare"... Not all turns revolve around money. Then, for such simple exchanges, let there be a simple toggle-switch between the names to show whose turn it is next.

Spandrel about iOwe