No one cares what YOU want, we care about creating something useful, be it for ourselves or for a larger group of people. Further, utility can, in fact, be derived from "wow" apps. You wouldn't understand because, as you've said, you're not a hacker. You should try it though, because building something yourself is a lot of fun and very rewarding.

Regarding the "personal API," I think it's a good idea if properly implemented (read: incredibly easy to use). Obvioulsy you haven't done much research because there are people working on this already. Someone below mentioned OAuth, and OpenID is another effort in this direction.

You'd get a lot farther if you simply just asked the community if someone was working on this and/or pointed out that it's a good, useful idea.