It’s not only in developing countries that getting organizations and people to change behaviors to accommodate e gov and e commerce is a problem. Consumers who still pay bills via snail mail. Hospitals leery of making treatment records available online to their patients. Some state motor vehicle registries that require car owners to appear in person — or to mail back license plates — in order to transfer vehicle ownership. But the White House is out to fight cyberphobia with an initiative intended to bolster confidence in e-commerce.