Arpanet started at 1969 and it was not immediately labed with certain groups as a scam, like here for years. That literally blocks the perception. So 2007-1969 is 38 years and not 14.
People were very hesitant to enter their credit card numbers into any website. This is a financial technology, it will bring more risks and justified hesitancy until the right projects iterate past the tests of time.
We’re in the MVP stage as an industry with plenty of problems. Unfortunately those problems can impact lives in much more negative ways than a communication tech like the internet could during its “MVP era”.
And people started putting credit cards into websites where there were standards and government approval for it. So that fraudulent websites can be procescuted and the credit card companies will refund your money. ie the user is not at risk.,