Update: iPhone SDk 3.0 now addresses the question here, however the NDA prevents any in depth discussion. Log in to the iPhone Dev Center if you need more info.
Ok
The big issue of course, is that the license agreement of both google and yahoo state you can't use these API's in "commercial applications". would hate to pub an app on the app store only to have it taken down and sued by yahoo or google. In reading the iPhone 3.0 map api and associated license this isn't mentioned but if you want an app to run on phones not upgraded....
Is there an answer for this that won't get one in trouble?