Yes, right now this is true (for those with easy access to credit cards and bank accounts at least). But the same criticisms could have been made about pretty

Yes, right now this is true (for those with easy access to credit cards and bank accounts at least). But the same criticisms could have been made about pretty much any technology in the early days of its adoption. A lot of smart, well funded, groups of people are working hard on these problems. It will only get better.