Everyone is talking like creating Amazon was some kind of low hanging citrus to be picked from the tree.
People are talking about putting a mail order catalog store online. Presumably, sears already had the catalog, shipping infrastructure - so it really should have been about digital payments, and an online storefront.
How significant their shipping catalog was in the 1990s I do not know, scaling the online storefront would have required Amazon scale investments which a dividend maximizing company was unlikely to do.
For a company that had Sears’ positioning at the time? It wasn’t far off from that description.