Getting back to MMS, I don't see how Apple are going to make any money from it at all and don't think this has anything to do with why we haven't seen it. It's not big in the US, plain and simple. I think Job's thought that if they included email it would be just as good. Thing is, now it's all over the world in market which love MMS and networks are losing money big time. The survey by O2 looks to me like it might be Apple trying to charge the networks for the stock MMS app, and O2 are trying to work out whether its worth the outlay.
But, MMS is big in the US (although mostly amongst the teenager and college crowd). It is not a lack of demand that is keeping the US from having MMS. I think the problem is that, in the US, AT&T has no incentive to push Apple for MMS. AT&T's texting plan price is the same as its text+MMS price. So people who have an iPhone with texting plan are paying the same price as someone with an MMS-enabled phone with texting+MMS plan.