[sillysaurus3]

None of your criticisms of credit cards seem valid.

> Credit cards you have to (optionally) make sure the site won't steal your number,

Nope. If it's stolen, you get issued a new card and all the old transactions are refunded.

> go get your physical wallet, fill out a rather long form

Browser integration makes it easy to fill out these forms. I don't use it, but I've seen people who do.

> and then occasionally call the issuer because they decided someone might have stolen your card and won't let the transaction go through because it's big.

In my experience card companies let the transaction go through even if it's big. Then they call you. Mine sends me a text saying "Was this you? Type 1 for yes" and that's the end of it. I like that. It's a good thing.