Two points:
1. Difficult, yes. But note that 40% of the US population do not have high speed internet at home. So quite a few people live without those "necessities". And I will tell you, a number of them don't even want them, in spite of what government and NGOs are trying to push on the populace.
2. Just because you don't THINK you've had an issue with online transactions, doesn't mean that your data hasn't been compromised. Information security is an inexact science (coming from a professional) and the IT guys will always tell you it is all secure but we cannot be sure how many bots or hackers are lurking in our systems, not to mention that your data could well have been compromised once it reached it's destination.