I don't have a credit card but sometimes I can't even buy a game on Steam without using a damn app. Trying to shop online has turned from nightmarish to impossi

I don't have a credit card but sometimes I can't even buy a game on Steam without using a damn app. Trying to shop online has turned from nightmarish to impossible without these apps in just a couple of years. I tried using the site of my bank but I could never make it work. There's no fighting it and it sucks.