Don't forget that 2 billion people do not even have access to electricity, let alone Internet..
More people have access to the Internet via cell phones worldwide than have access to a flush toilet. Access to electricity is not a pre-requisite.
Correct. But all those cell phones need to be charged somehow.
Stop and think, young man. 5 volts at half an amp, or 2.5 watts. A standard bike headlight is about 3 watts, whatever shall we do???
http://www.youtube.com/watch?v=-p20hxRVj5cOf course there are already existing infrastructure for charging phones, as some people have made a business out of using a solar panel to charge phones for others.
http://www.technologyreview.com/view/428569/solar-charger-made-for-africa-coming-to-the-us/And using a cell phone to send money isn't even a foreign concept to Africans as much as it is to Americans...
http://en.wikipedia.org/wiki/M-PesaTherefore, you're argument is invalid.