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Totally understandable that some people don't like to pay online. But i suppose the risk of getting ripped on money is just as rare as with putting your card into the cash dispenser these days with all the technical equipment. As long as you pay to companies like valve/steam you're totally on the safe side, it's all about common sense.
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Just to qualify myself, I work for one of the four major banks in Australia. Credit card fraud via online intercepts is not as prevalent as you might think. It is very hard for someone to obtain your details purely via intercepting net traffic. Over 80% of credit card fraud reported to us was the result of customers using fraudulent sites, responding to phishing emails, allowing "friends" to use their cards and identity theft where thieves went through rubbish bins collecting sensitive documents like bank statements and even purchase receipts (look closely as to how much info is on that receipt.)
Generally speaking purchasing goods via legitimate online sites, in itself, is no more risky than buying a bunch of flowers over the phone or even paying for fuel at a service station.
Besides if you find you have been a victim of credit card fraud, your card issuer must investigate the matter and if your found not to be at fault, your guaranteed by law to get your money back.
Just wanted to put some perspective surrounding this issue.
Oh BTW, I have no problem with needing a net connection to play ROF. If it hampers pirates then more power to the developers I say. But then I have a biased opinion regarding this.