I’m with you on this. I don’t want to take any chances with my food or give anyone money that doesn’t deserve it. Convenience and the weather are factors here, I understand that, but I’m with you otherwise.

Cheap, easy, and you can use it for other things.

This is the most likely scenario. Reusing credentials could also be a part of the problem. If you use the same login and password on two sites and one of them is compromised attackers will figure out where else they can use your credentials.