Personally, I don't buy things online. Only thing I've ever bought online was Minecraft, and the odd things I've bought on PSN using both code vouchers and my credit card if that even counts.
In this house, if me or my brother want something bought offline, we give the money to my mum, and she'll order it for us or give us permission to order it ourselves using her account. It keeps things easier, minimises the amount of mail the four of us would generate with separate accounts, and actually makes us think about what we want to order and if we really want/need it that much. So it saves a little money too.
I don't think we've had any problems with ordering either. Some posters from QVC turned up bent, and I had some dried, white stuff on a PS2 memory card once (I'm convinced it was just milk or coffee), but that was my fault for buying used.
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