Everyone feels that the internet took Sears and Other retailers down. Actually I think it's the management that killed them. When I went to Sears today, my wife found the jeans she wanted with no help from a sales person. We had to look all over the sales floor ourselves until we found them. Then we stood in line at the only checkout that was manned for 30 minutes just to pay for the items. This same shopping experience would have taken less than twenty minutes on line.
When you make the process of purchasing your merchandise more difficult, who wouldn't look for a better shopping experience.
It seems to me that the last service you would want to cut back would be the means of paying for your purchases.
Just my 2 cents.