I'm sorry, but what? You think iTunes is "too hard" to use? You have a problem figuring our Netflix? Is Amazon more than your tiny brain can take?
This isn't 2002. Online commerce isn't some repellent hellscape of overpriced goods and failed transactions. Aside from outliers like HBO and feature films in the window between theatrical and home release, there's very little that isn't wildly obscure that can't be bought easily, legitimately, and for economically reasonable prices.
At this point, if you're still having "trouble" paying, it's because you don't have money, not because you can't spend money you have.
This isn't 2002. Online commerce isn't some repellent hellscape of overpriced goods and failed transactions. Aside from outliers like HBO and feature films in the window between theatrical and home release, there's very little that isn't wildly obscure that can't be bought easily, legitimately, and for economically reasonable prices.
At this point, if you're still having "trouble" paying, it's because you don't have money, not because you can't spend money you have.