Kinda sucks for me, as I’ve almost exclusively used gift cards for the last few years. I get a bonus tax-free credit card by my employer, which I can only use at retail stores. So those were a great way for me to use that card to buy games. It was also a good option for people who wanted to avoid payment providers like Visa/Mastercard etc. Oh well.
Yeah, but that $5 fee is kind of a killer. Maybe one of those reloadable cards like greendot? Their fees are usually not bad if you use them regularly.
Worth mention, every Market is very very different. In the US, we tend to think of three very clearly defined Lanes of credit cards, bank accounts, and then all of the weird middlemen products that sit on top of bank accounts like Zelle or Venmo, and we consider all of them either slow, expensive or both. Bank to bank methods are considered the ABS the worst because most of them have been built on top of the ancient, antiquated ACH Network, which basically predated the fax machine and sometimes has 72 hour delays on either end of the transaction.
In much of the world people can just whip out their phones and use their Bank numbers like phone numbers to send $$ point to point, instantly and with zero transaction fees.
I made a friend in another country (while I resided there) who was willing to buy me $200 USD worth of steam wallet funds in their local currency, and I had to pay them with a separate transaction for the favor using PayPal of all things, as if it were 2002. LOL. It was worth it to get at their regional pricing, however it disallowed me from paying for any of my friends games I would normally gift to friends, since Valve wisely restricts cross region gifting and cuts down on a lot of their scam & arbitrage traffic with that.
Tl;Dr - - money comes in dozens, hundreds of different flavors, speeds, and behavior. ALSO, kudos to Valve for being able to think of it in enough dimensions to garner the widest audience possible.