credit cards vs normal bank account

As good as the internet is I am afraid it is not that user friendly for a normal person or should I said poor people who don’t have full time employment there for can not produce credit card or check account. For example I have a friend who does not have the cards every time when she want to buy something on the net from almost every companies she need to use someone else’s card just to buy CD even if she is buying something from her country which I think it crazy.