There's an app for that!
Kill
Edit: Also, the article (or more specifically, the random blogger) doesn't have it right. Suspended apps do consume memory. From his blog post, "
The first technical caveat is that Suspended apps remain in the device's memory." and then later "
If someone tells you that all the apps in the multitasking bar are running, using up memory or sucking power, they are wrong."
I'm looking for a much better article I saw awhile back... There have been threads on this topic before with very detailed information.
Computers with little RAM slow down because when the RAM is full, the hard drive is used as virtual RAM, which is significantly slower than the RAM. That's why you want A) lots of RAM and B) an SSD.
I'm pretty sure that the App states in memory are the first things that get swapped onto the flash of the iDevice, hence they technically don't waste any RAM. The result is that the Apps restart a little slower, but the performance of the currently running App isn't affected at all. As an iDevice runs only one app at a time, this kind of behavior is desired and probably implemented like this by Apple.
That said, you can't program an App to do stuff in the background, except very limited things, like checking for messages from Apples server and putting up those dots with numbers when they arrive. But as this is implemented for all Apps using this in the OS itself, it doesn't make any difference whether one or one hundred Apps check for new messages (It's in the iPhoneOS 3 or iOS 4 keynote, you might want to catch that on YouTube).
If you have jailbroken your iDevice, programmers can do whatever the heck they want (which is kinda the purpose of jailbreaking), even run stuff in the background extensively and drain your battery. But that's not intended nor Apples fault.