I have an LYS, but they only carry one brand, so in some ways, some of the time, it's like not having an LYS. If I ever want something NOT Cascade, I order online.
A lot of places take paypal for payment. You might be able to set up a paypal account so your payments can come straight out of the bank since you don't have a credit card (or, I assume, debit.)
There's always a risk online with the color not being quite what you expect and touching yarn before you buy is always nice, but we do what we have to, don't we?
I hope you find a solution that works for you.
homeschooling mom of 6 great kids 3 boys (ages 26, 23 and 5) and 3 girls (ages 18, 15 and 12), MiL to one lovely lady, Grandma to a beautiful 1 year girl and
wife to one fabulous husband of 27 years and counting!