Why does the Playstation Store Suck?

Let me clarify: Why are the payment options on the Playstation Store so shitty?

I spent way too much time last evening figuring out how to buy a pre-paid card in the Playstation Store, only to have to download some payment app I didn't have, before having to enter in the 12 digit code to seed my digital wallet with funds, before I could finally purchase Battlefield I and a 1 month of Playstation online.

Anyways, it feels great to have surmounted that mountain of a challange. Will vent my frustration in-game sniping noobs.