I will provide a counterpoint - I've had checks stolen from the mail and washed and reused. I've also had credit card fraud. It happens with both, though online credit card transactions are pretty darn safe these days.
Dealing with Steve Young and PBR is excellent. The only 'bad' experience I've had was early in my days of fixing games when Steve told me I'd be wasting my money to buy something - and he was right, of course!
They are quick to ship, quick to tell you if they do or do not have a part, and overall great to deal with. I hate to think what would happen if they didn't exist - especially for Gottlieb pins in particular and woodrail games in general. He also does a lot to get parts made that are no longer available.
Steve Young does a ton for the hobby, and though he operates his shop as a mail-order business, it's usually well worth the call - he just might tell you not to spend that money on a part that you think_ you need. And he'll be right.