Illegal downloading was a temporary stage in the evolution of the Internet during the late 1990s to early 2010s. Online banking is the future as credit cards will be one method of payment for goods & services. A paperless or cashless society is what majority of 1st World countries are moving towards. I, myself do not use any fiat money or currency. I instead use NFC in my smartphone or smartwatch.
One reason why Amazon became such a behemoth of a company thanks to secure online transactions as well as the reduction in time from order to delivery of goods.