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So I did that instead. Less convenient than directly buying what you want off Steam, but it does the job.
PayPal
Instant transfers
To make a payment with PayPal without having a credit card linked to your PayPal account, you must have the total amount of your purchase in your PayPal account balance. PayPal does not offer transfers directly from your bank account without having a backup credit card tied to the account. You will need to move funds from your bank account into your PayPal account and use your PayPal balance as the method of payment.
If you already have a credit card listed on your PayPal account but PayPal is blocking your Instant Transfer, your account may have been limited by PayPal. You will need to contact PayPal directly to learn more about their Funding Options and Limitations.
The whole point of me using PayPal on sites like Steam was so to avoid entering my card details online in multiple sites (and I'm not questioning their level of security).
I know Paypal is ok, I'm still using it for eBay and other sites just fine & dandy. Ity's only Steam who seem to demand billing address info.
Steam will update again and you'll have to log into everything all over again, but this fixed the problem for me, instant transfers work fine again now. I hope this helps!