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Nothing, as long as you use external payment method to do so and not wallet funds.
Lot of people try to convert wallet funds into cash by using them to buy gifts and getting paid in real cash for it. Valve has been cracking on this practice heavily recently and using wallet funds to gift games is highly likely to trigger the wallet gifting ban flag. Gifting using external payment methods is fine though (as long as they are yours that is, using someone else's external payment method can also trigger restriction).
Gifting from wallet funds can be abused/exploited so likely resulted in a lock on your account.
That or you where gifting to someone outside your region/country - or both.
Use a credit card and see if that works.
Not new no. But there's more than the payment method being considered. Amount of games owned on an account is another factor. If you only have one game and gift, say, five or more, it starts to look suspicious. Same if you try gifting in relatively small window of time. Add whatever other factors Valve take into consideration and it's easy to be flagged for commercial activities (or even attempted tax evasion). Always best to gift games using a "proper" payment method and not wallet funds. Use those on yourself.
Money spend on Steam may also be a factor. OP only owns dozen games most of which are free to play so they probably have not spend much on that account itself. I too would probably seem suspicious to Steam as despite having close to 3k games and 2k DLC, I've spend very little money on Steam itself and most of what I've spend is wallet funds made from marketplace. If I suddenly started gifting games with my wallet funds, I'd probably get the gifting ban pretty quickly as well.
that's such an unorthodox way to go about things
An another way to look at it is the way people make money trading various items like skins or whatever on the market which goes to their wallet.
It would be possible to game the system - if you work hard enough - to make things look VERY sus in terms of gifting games to people.
Course that's a bit of a stretch but considering the level of anger when someone doesn't get their "Sales" due to the various timers in place - it's not that hard to guess why Steam locks things down from time to time.
Only time I've ever touched my "Steam Wallet" is to buy things for myself.
Frankly I'm surprised steam lets anyone gift things using it - the level of "sus" that can come from such things is a bit high.
Games purchased for the account is the main factor. Although the specifics are unknown, there is a ratio in effect. Gift more than the allowed ratio and the account trips the commercial activities flag. There is of course more than just tripping a flag for support to determine if a commercial ban is valid or not. And yes, perhaps they take key activations into account, too. But at that point, we're into guessing territory. The existence of the ratio is something that is more easily discerned based on available data out in the wild.
Prime is not free.
Not really, when people do the right thing, refunding to their wallet then much of their gaming funds are already in steam.
I've just seen this same thing happen to a family member for gifting to their husband. I understand Steam trying to stop abuse of their system but goes way too far when they alienate their loyal customers because they don't want to spend five minutes confirming legitimacy. Lazy support team that is abusing their customers not the other way around.