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They have to follow the law, and age of steam account is not one of the options offered by your government.
Having a CC on file with steam is on the list of acceptable forms of age proof, and was the easiest for steam / valve to set up and use, as the PP and background access is already in place.
Debit cards are not, due to availability from age 13 onwards.
The Ofcom requirements are:
1) Age assurance methods – which include age verification, age estimation or a combination of both – must be ‘highly effective’ at correctly determining whether a particular user is a child.
2) They include: open banking, photo ID matching, facial age estimation, mobile network operator age checks, credit card checks, digital identity services and email-based age estimation;
Valve have chosen credit card as they have the payment processes in place and Ofcom only requires one method to be used.
You're making a lot of assumptions about the law and the relevance of Valve's opinion about whether a user is an adult or not.
So yeah, people wish for a lot of things. Imagination run amok is a hell of a drug.
Account age isn't valid under the UK law. Valve is not responsible for your unhappiness with the UK law. Finding ways to blame Valve because you're unhappy about the UK law may not be reasonable.
Then that's where you need to be voicing your complaint towards. Valve's not the one making the law, nor are they the one deciding what counts as proof of age.
https://www.youtube.com/watch?v=iV2ViNJFZC8
"hey so I have a forum where we talk about trains and I can't comply with the act because it would be way too expensive so I'm just shutting it down and I think that's a bad thing"
OFFICIAL GOVERNMENT RESPONSE: "that's actually a good thing what would be bad is if an adult talked to a child about trains"