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https://help.steampowered.com/en/faqs/view/292B-3DA3-CFC8-97F6
While it would be nice if there were other options, and who knows down the road, reality is if credit cards were a valid age verification method then likely all adult content would be blocked without any options. Just ask German users about that.
What "everyone has got" may not be the driver behind some of these decisions. Valve already works with credit cards so that's low hanging fruit. And that's likely the only fruit Valve is going to bother with.