I get the change or transition to online from stores is not always appealing to people. The idea of fraud, identity theft and having a tangible item can deter one from making purchases online.
Personally I like going into stores, its a version of windshopping my patner and I enjoy. WE don't have to buy anything, a cup of coffee and do some laps in the mall pointing out things, talking and spending time. I do however use the store to further my research in items i wish to buy. I find, for myself, that budgeting and asking the question "do I really need this" helps to define my purchases.
Using online for reviews, price comparisons and rewards then the in store for tangible and research.
It takes some more time but my credit bills and debit account show healthy positive balances which is a plus for me.
As far as the rewards, check out Upromise, even ifyou aren't in college. The system is set up to help parents, grandparents and students to pay for college. It is a long term financial planning tool which costs nothing to sign up. But shopping online gets me money back on my purchases, also I can link my cards so that when I buy gas, grocerries or eat out I get money back.
Kind of like a unique savings account, I even make more interest in my Sallie Mae Bank accoutn (through Upromise) than other banks are offering. I get 3% (now) on my savings quarterly and annually verses .3 or .5 % monthly. My money works for me, which is how people get rich and stay rich.
A great book to read about finances and what works best for you is Rich Dad Poor Dad by Robert T. Kioskvy.
HOpe that helps
~R