Gals, my understanding is that often truly fraudulent companies won't accept banking transactions such as credit cards and won't ship via government carriers (like the Postal Service) because it makes it much harder to prosecute them for fraud. Therefore, this can be a valid indicator of fraud. Not a guarantee, but an indicator.
Also, some of you have some very valid points about a literal "lifeline" to having "alternative" sources available to you, or else you would be dead. Good point.
Johanna.