Is a dowloadable title actually less risk then a retail release?

[Joelcool7]

Would PayPal actually be easier or more efficient then a Credit Card? Personally I can't think of any ways to make it any easier. If it was a cell phone your purchases could be made effortlessly and added to your bill.

But what could be easier then buying a points card at a retailer and simply entering the code? Or buying points with a credit card? How much easier can you get? Maybe AR cards that download the points to your system via NFC or AR codes.