I'm still a retail guy at heart. I still buy CDs and LPs online even. I purchased The Last of Us via Amazon, partly because I didn't want to download 25+GBs when I'm capped at 75(though, that isn't so much of an issue considering I exceed that limit pretty much every month). I also don't have room on my PS3 HDD, and don't really feel like expanding that.
And I'm no stranger to digital; my Steam library is full of games I'll never play. As it is, there aren't really enough incentives on the consoles to justify going digital only right now. The deal that Nintendo has for the premium Wii U owners was a nice start. I'd still like to see more, like early access to the game if you buy digital, since undercutting retailers is a stretch.