For one - i haven't got a credit card (by choice - can't spend money i don't have), and even if i did, how secure are 'secure' pages, really?
For two - how can i try shoes on over an ethernet cable? how can i feel the fabric of a scarf (obv so i know if i'm going to find it itchy, not because i'm some sort of Cloth-Snob).
For three - if you end up with damaged or unsuitable goods how much more awkward is it to send them back? (That's a genuine question - i really don't know!)
And finally - when you get grocery shopping online how irritating is it when you end up with a box of eighteen petits filous which go off tomorrow?
Come on - is it really that great?