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Just an fyi, if the restriction happens again it will be permanent.
It isn't that you actually are as much as it just appears that you might be.
You will still be able to gift games to others with non-wallet funds. And you can still use wallet funds for yourself. You just won't be able to use wallet funds for buying game gifts.
Do keep in mind that wallet funds are simply store credit and they can dictate their use how they like.
Some have been able to... but then the restriction comes right back with the next gift purchase.
You can make credit card purchases without storing them on the platform. Given how many users have stored payment methods on Steam over the years, if there was a problem of credit cards being stolen we would have heard of it by now. But I don't want to sound like I'm criticizing your efforts to protect yourself, just providing some details.
It is not that.
Good luck.