umm if you do not wanna use the click and buy option just use the credit card option. I can use the ultimate pay option and found it easy to use.

I think you guys are causing your own grief and blaming SE because you are used to using them as the blame target. SE gives you several options pick one and be done. In some cases I'm happy putting in a payment option is a bit of a hassle. If they made it easy. A kid can just swipe their parent CC and buy stuff with it Unless said parent find out via statement.