How to add funds to Apple Account without credit card?

Okay, so you wanna top up your Apple Account but you're stuck without a credit card? Ugh, I totally get the frustration! It's like, why do they make it so difficult sometimes? It almost feels like Apple's subtly nudging you to just add a credit card to your Wallet, right? Like they're trying to lure you into their whole ecosystem.

Anyway, don't despair just yet! There's a little lifeline here: you can actually use the App Store on your iPhone itself to add funds. It's not as direct as, say, a simple "add funds" button right in your Apple Account settings (why isn't that a thing, Apple?!), but it's a workaround. Honestly, it's a bit of a relief, but still... couldn't they just make it, you know, easier? More transparent? I feel like I'm constantly having to Google these little things. I just think that it would make the user experience a lot more streamlined if this was an easier thing to figure out.