The only money I've spent on-line is for stuff like Fraps, domain names, and webhosting. And WoW. So far, I haven't had any problems buying what I've wanted in the stores around here.
I think there will come a day when I'll be forced to buy retail on-line for many things....but I'm putting it off as long as possible. I don't like to wait either, and I like being able to see (and return) what I'm buying in person. Plus I agree that it's too easy & can breed bad spending habits...especially if you tend to be an impulse buyer. When I was buying domain names I kept buying more and more because it was too easy to get wrapped up into "thought of another one, gotta reserve that one!" and all I had to do is click my mouse to get it - next thing I knew, I had a ton of domain names I have no need for....
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I'm introverted in groups, and socializing with people I don't know well makes me feel like I need a nap before even an hour goes by. Familiar people and one on one I can seem like an extrovert - but I just have one of those minds that runs all the time and am mentally hyper, so sometimes I talk a lot