I had meant debit card. Anyone can get that, it costs absolutely nothing at all.Some people don't use credit cards; I find most people on craigslist are there because they just don't do the "online" thing.
I think the best way to do business, is to have both sides feel safe--daylight, public places, necessary proofs, trade enough info that I won't have a thief follow me home, but if something goes wrong, both parties are easyily available, clear understanding of what the item is, etc,.
I guess it's just people and how we're all different.