Oh I hear you about the meds thing! I need alarms in my phone to remind me... my father forced me to use a new phone (took out the microsim from my sim so I could no longer use my old phone) and I couldnt figure out alarms on it, so for MONTHS I was having trouble remembering my meds. He told me to stop blaming the phone... If I had an alarm I dont forget. Have you tried that?

Money is another issue... I never have any to waste. Cant you restrict your own access?