I agree. There are also many more web users than there were then.
I worked at a couple different start-ups in the 90's, and a lot of the trouble we faced was the result of our core audience either not having internet access or not being willing to enter their credit card information online.
Entering credit cards into a '90s site was a scary thing. I saw what a number of sites did. Plaintext files with hundreds and thousands of credit card numbers. Just sitting there. Waiting for some random script kiddie to come along, crack a few Unix passwords, and ruin a few lives.
I worked at a couple different start-ups in the 90's, and a lot of the trouble we faced was the result of our core audience either not having internet access or not being willing to enter their credit card information online.