I have to say, bitcoin is much easier than credit cards for online payments. You can skip the "billing address" part entirely, since that is just used to reduce credit card fraud. And if your purchase doesn't involve a physical delivery, you can skip the shipping address too. For ephemeral things, it really is as easy as sending the coins and getting the download link.
Put yourself in the shoes of someone who doesn't already hold coins (99.99999999% of the population.) Do you still think making a Bitcoin payment is easier?
This is just an accident of history, not a consequence of the design of either system. If that was a requirement, credit cards wouldn't have taken off, nor would paper money, nor gold. These are all things that no one had, once.