Buying a bond used to involve visiting the bank, but now you have to buy bonds on the U.S. Treasury Department's website. Some have complained that the process is cumbersome. "It is true that some people may be disadvantaged in the short-term, but in the long-term most people, especially the seniors, will figure out a way to use the Internet," said Sunil Wattal, an assistant professor in the Department of Management Information Systems at Temple's Fox School of Business.