Chad1, I think a solution to your problem is to get a Green Dot type Credit Card. It is a CC that you load money on to and then you can use it like a credit card.
This would allow you to pay via cash, but still use a CC and it cannot be ripped off since it is only good up to the amount you loaded onto it.
I believe you can purchase them at stores like Wal Mart, or CVS. It costs about $10.00 to initially purchase one.
Here is a link for a bit more info. Green Dot Info
Hope this helps you get gaming with gog.
I second that. It's a very easy way to buy online without fear of hackers, CC stealers, and scammers. I use it for all my purchases, except for Amazon, where I use my Amazon Credit Card ;-).