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Purchasing game(s) that are equal to $5 USD or more from the Steam store
and
Purchasing a Steam gift from the Steam store
You have to put money directly into the account to unlimit it.
https://support.steampowered.com/kb_article.php?ref=3330-iagk-7663
"Purchasing a Steam gift that is equal to $5 USD or more from the Steam store (Receiving a Steam gift or digital gift card from a friend doesn't count)"
So I shouldnt get access from having the money in my account ok, but then it says
"Purchasing game(s) that are equal to $5 USD or more from the Steam store"
which means if I use the money, which I did, I should get access.
Maybe not how they ment it, but it's certainly what it says and that's what I thought it would be
Doing it your way would unlock two accounts for the price of one ... That's not how it works.
The rest is irrelevant, as you're not spending money that you yourself have directly put into the account.