It's all kewl dude.
Not too long ago ( a few years ago) I was in the same boat.
One of the major drags of online services in some cases is the total lack of apreciation that the so many young users who don't have credit cards or access to small amounts of money.

I guess what I'm suggesting is, find a way to set up a PayPal account where you can build up a small savings of a coupla hundred bucks.
When it comes time to join some decent online services you'll appreciate the convenience of just being able to instantly access your savings online.

Even then, there's a whole load of sites that don't accept PayPal.
I got majorly ripped off using my credit card on an online site a few years ago and totally refuse to deal with places that only accept credit cards.
(With PayPal, if you get ripped off, you've got insurance to get your money back)

Like last week I signed up with an online service that turned out to be a total sham.... $10 a month for industry contacts in film/tv stuff..
A month later I still didn't have any contacts or replies from the company.
I complained to PayPal and got my money back in 2 days.

I guess the point I'm making is it's kinda impossible to survive online these days without either a credit card or Paypal etc...
Right now, all my online activities go thorugh PayPal... ie, any money from online lessons, album sales, song sales etc... get paid directly into my paypal account.
If i want I can have the money transferred to my bank account, but I find the best use is to use it for online services or buying music equipment off eBay.