I feel that. Don't have a credit card or that stuff either. At least Steam allows you to use your banking app directly.
Better yet, there's a website in my country that sells Steam gift cards, which can be paid through 7-11 i-bon with a given serial code.
That's how I got over 100 games in the last 10 years on Steam.
Apparently you can use IDEAL if it's supported in your country on their website.
