All that is going to change, and sooner rather than later. Five years from now, that's going to look like pocket change. Both are rapidly being solved. The World Wide Web created access, by organizing vendors into storefronts with addresses. They've made it possible to have electronic Yellow Pages.
Security is the scary part.
We've all read news stories about computer network theft. Don't let these incidents put you off. When prudently used, the Net today is safe enough. Citibank made its customers whole, as it would after any heist. You're at greater risk when you hand your credit card to a waiter than when you use it to shop by computer, provided that your electronic business is handled entirely in code.