A) Not everyone has a credit card with VbV or has the option/want to get a card that does.

B) Game cards aren't all that accessible aside from online.

C) Crysta sucks. You always have to have some amount left and I don't want to have to pay hidden fees and all that crap.

D) I keep hearing god-awful things about Click-and-Buy and I do not want to use my credit card with a company that has a questionable reputation at best.