I agree with regard to the payment gateway, but its been a very long time since I met someone who said they wouldn't use eCommerce.
Most people I know do a lot of online shopping, and I am not talking about my tech friends.
I personal don't even regard our eCommerce Market as having begun yet.But i do shop online now and then. Im also working on a couple of projects and startups to address the confidence issues that the majority and youth have about the internet.
PS Iam a black Attorney lol