Points are good for in-site transactions, but I haven't gotten to a point where I can order points or use paypal. Fortunately, one of my favorite artists is also a friend off the net, so I can pay her in cash at school. Beyond that, recently there have been incidents of people who handle mine and other's money stealing documents with identity information included, and that made me pretty skittish to input my credit card number anywhere online, at least for the time being.
So, I suppose I still prefer in-person cash transactions, but that'll probably change when I get more into the artistic community and start selling. I can't say I understand being an artist making or paying actual money through online transactions, so I can't say I have a true opinion, either.