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requiring the account to be unlimited doesnt work either since you will have the same results. make throwaway account and you get to play $50+ games for $5
your lack of funds is not a steam issue and you have to address it yourself.
where you can play several games for 12 Euros/Month
Part of giving an idea is listening to others give you feedback on an idea. In this case a credit card already lets you buy and pay for things over time, so it makes no sense for Steam to do it and take the risk and abuse that comes with it.