Not everyone has to be neurodivergent to not want to use a credit card on the Internet - there have been plenty of leaks for this to be a valid stance. Also, let’s not forget about other countries where credit cards play basically no significant role in day to day payment activities and people view them as “oddities” (for a lack of a better term).

Also, depending on how you hand your credit card info over, and if mechanisms like EMV 3d secure are in place, some merchants basically obtain a copy of your card and it’s on you to check the validity of the transaction and also re-check that no additional transactions have been made over time. While it is certainly good practice to go over your credit card statement each month, I could totally understand if someone wanted to avoid that hassle and the one that comes with a dispute.