I have Android 1.5 on my Hero, I would like to download and use the USAA Deposit@Mobile. I can't. Why? Because they have locked it to 1.6. What I don't understand is why? What new integration, or development piece is in 1.6? Java? What is stopping me from asking someone to upload the .apk file and allow me to install and try to use it? I don't quite understand the purpose of locking it.