Andrew Mobbs, managing director of the Hatchery, has a big dream. He wants to move the world off of credit cards and onto using their cell phones to pay for things.

He’s not the first to have that dream, but I think he’s thought through some of the problems better than other people I’ve talked to about this so far. He is in Silicon Valley today, visiting from London, UK, which is where he’s located.

But that’s not what was interesting about my breakfast with him this morning. What I found really interesting was his dilemma as an entrepreneur. What is it?

Over at the Google Mobile Blog, they’ve announced the release of Google Gears for mobile.

It’s only available for IE Mobile on Windows Mobile 5 and 6 devices, but they already have Zoho and Buxfer as Google Gears providers.

With Google Gears for mobile integrated into mobile Zoho and Buxfer, you can now access these web applications even when your phone is disconnected from the mobile web. Stuck on a plane? No problem – you can still read your docs on your mobile with Zoho Writer Mobile offline. Want to buy that new plasma TV, but can’t remember how much is in your account? Check your balance with Buxfer’s mobile web application, even if there is no cell phone signal.

Here’s what caught my eye…