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I wonder... does Paysafe Card method work for you in Tunisia? Are they available there? Steam does allow adding funds to steam via Paysafe cards, like GOG does. It's basically a voucher coude you buy & pay for in a store (supermarkets, drugstores or newspaper stores mostly) and you get a code on a printout that you enter, when chosing "Add funds" on steam and click paysafecard method. It's kinda like the steam money cards but without a scratch-off code on the card itself. But you can add different amounts. 10 bucks, 20, 50 and so on. This is what i usually use since i don't have a credit card either.
As an example, PayPal can pull money from bank accounts in Germany. They probably can't do that in the US -- but, regardless of that, I can still pay US merchants with PayPal. PayPal is working as an abstraction layer -- in this particular case, the US merchant won't even know how PayPal gets the money from me, and I don't know how the merchant gets the money from PayPal.
Thank you for your post
There's a catch though: you can only get that amount once per year. This means if you spend all of that money buying things online in 2024, you'll need to wait until the next year (2025) to reset your limit and recharge it again. It's still better than nothing, honestly. I buy all my games using this card. You'll be able to purchase many games because they always have discounts all year round on Steam.
You can also link this card to PayPal (even though it's pointless since you can purchase games directly using your card), and it's completely legal since the bank allows you to get that limited amount of foreign currency.