It seems like you're treating your personal knowledge and preferences as the basis for Valve to take on an entirely new source of revenue and risk. It's a fantasy.
Even if 100% of Valve's user base cared as much as you (they do not), why would Valve take on the massive risk of connecting to its users' bank accounts? Of having to collect on debts? etc.
> It's a fantasy.
Of course.
> Of having to collect on debts?
Why would they need to do that? "Credit" part of credit card is completely irrelevant when it comes to payment systems. It's a trick to milk the customers. Why would Valve lower themselves to that level?
My point is, with crystal clear, pro-consumer reputation Valve could be real alternative to gambling industry of Google Play store, payday loan business of VISA/MasterCard and gym membership style of extortion of other services. And betting on consumer was a recipe for success for Valve so far.
Why would they try? Because it's always good to 10x your revenue.