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That raises a different problem. I wrote an article about it several years ago. This is about online banking, not online purchasing.
TL;DR: If you don't create your online bank account, a cybercriminal can create the online connection to your account with their email address. The bank will notify you by snail mail, but by then the cybercriminal will have drained the money from your account.
Here's the link to the article.
Why You MUST Create Online Financial Accounts
“It seems like the best way to protect your checking account is to not do any online banking, right? Wrong. That’s the most financially risky thing you can do. Angela found out why.”
https://www.paxterrarum.com/blog/why-you-must-create-online-financial-accounts/