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No need for an additional system.
Yeah not gonna happen. WHat they could do is just have some setting by which you can combine the wallet balance.
Say you have 50c in your wallet. and you're buying a 5$ game. The system would if selected apply the 50c to the purchase first so you'd only pay $4.50 from the card.
Probably make refund a pain to process but they could just set it up so that any refund on such a purchase is limited to wallet balance only.