The real disruptive force behind Coghead lies in its payment model. Everything at Coghead is sold a la carte. Adding a user, storing some data, or putting a new record in a table all add small amounts to the bottom line. You don't sign some hundred-thousand-dollar contract for some slick software salesdroid; you just commit to paying a monthly amount per user. When you activate your account, you pay for "members." A pro account comes with five members for US$49 a month.
Coghead is trying to open up its platform to bigger applications by creating "limited users" with limited rights to work with only certain "access points" for the data. This approach makes it possible to offer bigger, more open applications to the world without paying US$10 per month for a full-fledged member.
At first, I was thinking of these "members" as fellow programmers who are part of the development team because these members can do plenty. After a bit of thought, I realized that these members are really users, and there could be a wiki-like flavor to rolling out one of these applications. A small office with a custom application could give everyone the capability to edit any of the forms at any time.
Programmers will freak out about this feature in much the same way that encyclopedia authors shrieked at the invention of the Wikipedia. But I think it would be neat to let users add form entries. Well, most of the time. As long as there's a programmer around to clean up the mess. There needs to be something for the programmers to do.