OK, I'm going to tell everyone who is bitching that they don't have a credit card a series of stories...
Story 1 - Yesterday, I was surfing the internet and saw a really nice looking 54mm model of a female vampire hunter. Seeing as she was actually clothed, I decided to jump at the chance to purchase it. Sadly, my bank accound is more empty than your average pirate's moral core, but I DID have £20 in my wallet. Being at my parent's house, I approached my mother with the £20 and said the following sentence; "Mum, here's £20, can I nick your credit card to buy this model?" She said yes, and it is now making it's way to me.
Story 2 - Around this time last year, all my mates were playing Warhawk. Deciding I wished to join them, I looked around to see if I could find the disks. Sadly, I couldn't. Luckily, my housemate lives in the same building as me, and has a credit card! "Hey man, here's £25, can I nick your credit card to get this off the PSN?" He said yes, and I downloaded it. In fact, it was close to my birthday and he hadn't got me anything, so it only cost me £5! Shortly after, they all switched to Killzone 2 and I never played it again.
Story 3 - I was out a few weeks back, when I saw a Mars Bar and decided I could do with some chocolate. Sadly, I didn't have 50p on me, but I was with one of my mates. "Dude, can I nick 50p for a Mars Bar? I'll pay you back when we get home." He said yes, and I had caramel-nougat-chocolatey goodness. I payed him back when we got home.
The moral of these stories is that if you can't pay, chances are minimal that you don't know someone who can pay for you. Even the smallest child can go up to their parents and say "I have 10p, can you buy this game for me?" Hell, if my kid wanted to download games like Samarost, I'd buy it for them - it's great for developing logic skills. And improving your resistance to dissapointment.