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This is intentional by design. There is no way around not using wallet funds.
When you buy games, the store page will list if they have trading cards. You can use these to level your steam profile up by completing a set and getting badges. This also gives you a larger friends-list.
People spend real money in the market to buy these cards which are given to you for free in exchange for "playtime". Although playing the game isn't even necessary.
I believe some free games also have trading cards, and I believe there are over 10,000 free games on Steam. You can activate 50 per hour and there is a website, I think it is isthereanydeal which lets you activate all of them. Although Steam uses a lot of memory when you have a large games library because of the list.
You can then sell those cards on the market for real money - not sure if you can take the money out of the Steam wallet, though. So it'd have to be spent in the Steam store.
Free to play games drop game cards based on your in-game purchasing. For every $9 USD spent (approximate) in game, you will earn one card drop. This card will drop at some point as you play.
When you get to that checkout page that requires you to tick the "agree" box, note at the top there's a small box that says to select your payment method and if you click on it, you can change it from you steam wallet to payment card ONLY.