What's scary is that all these apps - Preferences, MobileMail, Safari - they're running as root. They've got the SUID bit set and they're owned by root. That's going to be great when they open the thing up and let others inside to tweak and add software. I can see it now. "Please kindly open attachment I Love You.txt."
My phone has crashed many times thus far mostly when using safari...not too big of an ordeal but hopefully apple addresses the issue soon via an update....maybe bundled with iChat, but I won't be too picky 😉