Something like that will kinda work, but using it will flag your transactions if you use it as a business. That's the issue with a lot of these things is that we need to have some kind of balance between privacy and authorities being able to do anything against terrorism etc. And yes you can find terrorists based on transactions.

Welllllllll, Taler is actually exactly the wrong suggestion for this usecase, because Taler requires all spends to be redeemed from Vendor to Issuer non-anonymously, which gives the Issuer 100% control and say which vendors are allowed, which is exactly the thing Visa and Mastercard are using to exert control.

If there were competing Taler networks and Steam supported all of them, that might be okay because one of them might happen to not be dicks, but if there's just one or two then Taler is designed from the ground-up specifically to enable this bad outcome. It's actually one of their features!

Sorry.