Online shopping - how convenient is it actually?

Not really usre where to put this, so mods feel free to move it if you think that putting it under life.style is inappropriate.

My original thought was more related to online cashless payments in general- if you don't know, there's actually a way to donate directly to Tildes to help pay for server costs if you like this site enough. However, I've discovered that I don't like to often do any monetary transactions online- there's just something that's a pain in the butt about entering 19 digits online (16 for card number, then three more for the SVC).

But in the spirit of wanting an actual discussion... buying things online has been an option since I was a teenager, so we're talking about 20 years ago. You'll usually hear people and companies say "You can go shopping right from the comfort of your own home, there's so much to choose from, and if you choose the right option you can have it in just a day or two... just enter your credit card info and you're all set!". But for me personally, it's the last two that I take issue with.

You have the overall credit card issue- right now, I live in a country where cash is still king, even if it IS trying to catch up to other nations with cashless payments. For credit cards, besides entering the number being annoying, and then your address (billing and shipping, usually but not always the same place), it can be far too easy to spend way too much on credit card. Remember, many countries actively push the consumerist mindset, which is a MAJOR trap. And just to mention it- I do NOT trust any sites or devices to remember my card info. I'm VERY paranoid of being hacked- specifically talking about storing any info in something like Google Wallet/Pay/whatever it's called.

But then you have the other issue, and why even though you might get more selection online, I would still rather visit an actual storefront, even if it's an hour or so away. To put it simply- when the transaction is completed, I want to have the item in my possession. Buying online, you always run into the shipping (and handling) issue- Amazon is one of the fastest, and they still take at least two days. In the US, the issue has been made worse because of the post office situation. or in other words: you paid the money, now how long will it take to have the actual physical item? It's probably just a product of how I grew up, but I hate having to wait longer than a day after I've already given you my money.

So, people of Tildes, what about you- do you find online shopping to be extremely convenient, or do you have your own issues with buying things online?