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As for the Japan game if its region locked to Japan when you log into steam from japan you can view the store page but if youre outside japan the store page will error out or at least thats how some games are like Dead Or Alive Venus Vacation. But as long as its in your library you should be able to still play it
To be allowed to buy a game in another region, you need to have a verified banking provider from the region. This is to allow for people who move countries to update where they are and access that region's store catalogue.
Keep in mind that if OP is a part of the US armed forces and is stationed at one of the bases, then having a US IP address in Japan is very much a thing. In that case, they are not violating anything in the TOS by using the US Steam store region. Of course, if the OP is an English teacher in Japan and not a member of the US armed forces, then yes, they should be using the Japan store if they've been in Japan for longer than 90 days and are paid in JPY.
It doesn't. To access the Japan regional store for Steam without breaching ToS, you need to have a valid payment system located in Japan itself.
No need to inform Valve as I said above.
Then you can't buy from the Japanese store on that account until you get a Japanese billing method. Your best option for now is to make a new account and find a store that's selling Steam Wallet codes. Try Family Mart or GEO, for example. You can also try Matsumoto Kiyoshi, if they have shops in your area. They've been known to sell Steam Wallet codes, too.
If you live in a region longer than 90 days, you are expected to change the Steam store region to that of the one you're in. If there's a reason that cannot be done, Valve prefer you to reach out to support and ask for advice. This is so they don't ping you for suspected fraudulent activities.