The expansion of e-commerce was parallel and had little relation to 'horny trailblazers'. The CC issue was solved by services like PayPal that intermediated CC

The expansion of e-commerce was parallel and had little relation to 'horny trailblazers'. The CC issue was solved by services like PayPal that intermediated CC data, better internet security and better CC dispute resolution. I know people who still hesitate before leaving CC information but would not hesitate if there's Paypal (or similar).