That should be natural for any very poor country. Real reason is that per capita GDP of India is barely 3% of American. So anyone with money to spend can hire a lot of 'servants' and will not be used to self-service. Probably most of internet users belong to this caste (which quite well may be a direct rather than indirect meaning of the word).
I personally think that the reason that Indians don't but online is that India is a predominantly a cash based society. We Indians have a aversion to using electronic currency.