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https://help.steampowered.com/en/faqs/view/292B-3DA3-CFC8-97F6
I have used my debit card to pay for games on Steam for donkey's years and I couldn't figure out how or why it wouldn't work.
In the UK no-one under the age of 16 is competent to sign a contract so I couldn't see how a person under 18 could have a debit card (I figured there must be some sort of contract involved).
It does mean that I have to do a Lazarus on one of my credit cards but needs must when the Devil drives.
You can have a debit card from age 11+ in the UK.