iPhone official downloadable apps?

So many rumors around the new iPhone and the new iPhone software that are coming up soon.
One of those interests me the most: the feature of downloading official applications to run natively on the iPhone. I am not talking about Web Apps which are basically web-based applications to which you link from your home screen. I am not talking about jail-breaking the iPhone and installing applications.
I am talking about the possibility for every iPhone user to be able to install applications on their iPhone with the approval of Apple, running less risks of losing AppleCare coverage for installing apps illegally.

This means mobile learning in general can go even further with official development of iPhone applications that will be used for learning or sharing content.

If not now, this will happen anytime anyway. Apple can’t go on with this closed approach to application development/installation they have right now.